All Interactive Calculators & Analyzers
Select any analyzer below. Your gate acceptance and household profile carry over automatically across the entire suite.
Master Return X-Ray · Lines 1a–38
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Form 1040 & Tax-Cliff Simulator
Line-by-line 2026 Form 1040 waterfall, Remaining Bracket Room, 0% LTCG harvesting, ACA 400% FPL cliff & Senior Deduction.
Tax-Cliff Engine · IRC § 408A
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Roth Conversion Analyzer
Pre-tax conversions, Backdoor Roth Pro-Rata, $72k Mega Backdoor, and IRMAA/OBBBA/SALT ceiling solvers.
Owner-Only Business · § 415(c)
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Solo 401(k) vs. SEP IRA
S-Corp W-2 vs. Schedule C ceilings, $190k vs. $288k salary solver, § 199A QBI, and Reverse Rollover shield.
2025–2027 Suite · T.D. 10001
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RMD & Tax-Cliff Suite
Lifetime RMDs, Inherited 10-Year rule, Surviving Spouse & Widow's Penalty, QCD/QLAC, and § 302 waivers.
Monte Carlo · Glidepath
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Retirement Planner
Stress-test retirement savings, replacement rates, inflation, and safe withdrawal horizons.
Plan Transitions · § 3405(c)
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Rollover Analyzer
Compare old 401(k)/403(b) plans vs. Rollover IRAs: fee drag, 20% withholding trap, and Rule of 55.
Claiming Ages 62–70 · SSA
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Social Security Analyzer
Compare claiming at 62, FRA (67), and 70 (8%/yr delayed credits) with spousal & break-even modeling.
Form 8880 & SECURE 2.0 § 103
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Saver's Credit & 2027 50% Match
Compare the 2025–2026 Form 8880 Credit against the 2027 50% U.S. Treasury direct-deposit IRA match.
MAGI Phase-Outs · § 219(g)
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IRA Deductibility Checker
Evaluate Traditional IRA tax deductibility and Roth IRA MAGI phase-outs by workplace plan coverage.
Minors · IRC § 530A & UGMA
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Child Investment Calculator
Compare Trump Accounts ($1,000 seed), UGMA custodial accounts, 529 plans, and Custodial Roth IRAs.
Education · SECURE 2.0 § 126
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529 College Savings Analyzer
State tax parity analyzer, $95k 5-year superfunding, and $35k tax-free 529-to-Roth IRA rollovers.
Estate & Trusts · IRC §§ 1014 / 2010
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Estate Tax, Trust & Step-Up Analyzer
Compare Revocable Trust (§ 1014 step-up) vs. Lifetime Gifting (§ 1015 carryover) & SLATs under the $15M/$30M exemption.
Liquidity & Margin · Reg U / § 163(d)
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Sell Investments vs. Borrow (SBLOC)
Compare liquidating low-basis ETFs (paying tax gross-up) vs. borrowing via a Pledged Asset Line / SBLOC.
Concentrated Stock · IRC §§ 1259 / 7701(o)
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Concentrated Stock & TALS Analyzer
Compare 130/30–300/200 Tax-Aware Long-Short carrying costs & 2026 Schwab/Fidelity rules vs. Staged ETF Exit.
Annual IRS, CMS & SECURE 2.0 Statutory Data Tables — Inspect the codified 2025, 2026, and 2027 (Projected) tax brackets, OBBBA senior deductions, IRMAA tiers, and Uniform Lifetime RMD tables.