Free Tools

Senior Tax Calculators 2026

Three powerful free tools — IRMAA, RMD, and Social Security Tax — all verified from official IRS and Medicare sources.

IRMAA Medicare Calculator

Find out if selling your home or a high-income year will trigger a Medicare Part B surcharge — and exactly how much extra you will pay per month.

Filing Status

Total Income 2 Years Ago ($)

Home Sale Gain ($)

Home Sale Exclusion

📊 Your IRMAA Medicare Estimate

Total MAGI

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Standard Part B

$202.90/mo

Your Part B Premium
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Monthly Surcharge

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Annual Extra Cost

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IRMAA Tier

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💡 What Is IRMAA?

IRMAA is a Medicare Part B surcharge based on your income from 2 years prior. A home sale in 2026 could trigger IRMAA in 2028.

Source: Medicare.gov · CMS.gov

RMD Penalty Calculator

Calculate your Required Minimum Distribution for 2026 — and find out the penalty if you miss the December 31st deadline.

Your Age in 2026

IRA Balance Dec 31, 2025 ($)

Account Type

Already Withdrawn This Year ($)

📊 Your 2026 RMD Estimate

IRS Life Expectancy Factor

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Your Required RMD
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Still Need To Withdraw

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25% Penalty If Missed

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10% Penalty If Corrected

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Deadline

DEC 31

💡 RMD Rules 2026

RMDs must begin at age 73 (born 1951–1959) or 75 (born 1960+). Missing the Dec 31 deadline triggers a 25% IRS penalty.

Source: IRS.gov RMD FAQ

Social Security Tax Calculator

Find out exactly how much of your Social Security benefit is taxable — and how the $6,000 Senior Bonus Deduction reduces your bill.

Filing Status

Annual Social Security ($)

Pension / Other Income ($)

IRA / 401k Withdrawals ($)

Your Age

Spouse Also 65+?

📊 Your Social Security Tax Estimate

Combined Income

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Taxable SS %

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Taxable SS Amount

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Tax Without Bonus

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Tax With $6K Bonus

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You Could Save
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💡 SS Tax Thresholds 2026

Single: Below $25K = 0% taxable · $25K–$34K = up to 50% · Above $34K = up to 85%

Married: Below $32K = 0% · $32K–$44K = up to 50% · Above $44K = up to 85%

Source: IRS.gov · SSA.gov