TaxCliffs
Free retirement tax calculators helping Americans navigate the ACA subsidy cliff, IRMAA, Social Security taxation, capital gains, NIIT, Roth conversions, and more. Not affiliated with the IRS, HHS, CMS, SSA, or any government agency.
These tools provide estimates for general informational and educational purposes only. They do not constitute tax, financial, legal, insurance, or investment advice. Calculator results are estimates based on simplified assumptions and publicly available data that may contain errors or may not reflect your specific situation. Do not make financial decisions based solely on these tools' output. Always consult a qualified tax professional, CPA, enrolled agent, certified financial planner, or licensed insurance agent before acting on any information from this Site. Use of this Site does not create any professional-client relationship. See our Terms of Service for full disclaimers and limitation of liability. Not affiliated with the IRS, HHS, CMS, SSA, or any government agency. Last updated: March 2026.