Smart Tax-Efficient Retirement Planning
Calculate optimal withdrawal strategies, minimize taxes, and maximize your retirement income
Powerful Retirement Tax Calculators
Professional-grade tools to optimize your retirement income and minimize tax liability
Multi-Account Withdrawal Optimizer
Determine the optimal sequence to withdraw from Traditional IRA, Roth IRA, 401(k), taxable accounts, and HSA to minimize lifetime taxes.
RMD Calculator
Calculate required minimum distributions using IRS life expectancy tables. Avoid 50% penalties with precise compliance tracking and calendar alerts.
Pension Decision Analyzer
Compare lump sum vs annuity options with actuarial analysis, break-even calculations, survivor benefits, and longevity risk assessment.
Roth Conversion Strategy
Identify optimal conversion windows, "fill the bracket" strategy, multi-year conversion ladder, and lifetime tax savings analysis.
Social Security Tax Minimizer
Calculate combined income thresholds, minimize taxation of Social Security benefits (0%, 50%, or 85%), and optimize withdrawal timing.
Tax-Efficient Income Calendar
Generate year-by-year retirement income plan integrating withdrawals, RMDs, Social Security, and Roth conversions from age 55-95.
Potential Tax Savings
Smart tax strategies can save retirees $50,000 to $150,000 over retirement
How It Works
Three simple steps to optimize your retirement income
Enter Your Data
Input account balances, age, income needs, and retirement goals. All data stays private in your browser.
Calculate Strategy
Our algorithms analyze IRS rules, tax brackets, and account types to find optimal withdrawal sequences.
Get Your Plan
Receive detailed recommendations, charts, and PDF reports showing year-by-year tax-efficient strategies.
Who Should Use RetireTax Pro?
Pre-Retirees (55-65)
Planning Roth conversions, withdrawal sequences, and pension decisions before retirement.
Early Retirees (65-73)
Optimizing pre-RMD years with strategic conversions and Social Security timing.
RMD Filers (73+)
Calculating required distributions, QCDs, and managing tax brackets with mandatory withdrawals.
Multiple Accounts
Anyone with Traditional IRA, Roth IRA, 401(k), taxable accounts, or pensions needing coordination.
Learn Retirement Tax Strategies
Free educational resources to help you understand complex retirement tax rules
Understanding RMDs
Learn when RMDs start, how to calculate them, and strategies to minimize their tax impact.
Read ArticleRoth Conversion Basics
When to convert, how much to convert, and tax arbitrage strategies for long-term savings.
Read ArticlePension Decision Guide
Compare lump sum vs annuity options with actuarial math, longevity risks, and survivor benefits.
Read ArticleNeed help with other financial planning tools? Check out cvforge.app for additional resources.
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