RetireSmartIRA
iOS app by John Urban. Finance · John Urban
- Store rating
- 4.67 / 5
- Store rating count
- 12
- Download price
- Free to download
- In-app purchases
- Unknown
- Version
- 2.70
- Listing last refreshed
- 2026-09-08
View the original store listing
Store description excerpt
Plan your retirement taxes like a pro — this year, next year, and across retirement. RetireSmartIRA helps you model the tax decisions usually scattered across spreadsheets, IRS worksheets, and CPA meetings: Roth conversions, Social Security timing, RMDs, IRMAA, the ACA cliff, and more. It's built for the financially engaged: people who want to understand their numbers, not just be told what to do. No spreadsheets, no black boxes: every dollar traces back to the input that produced it. ANSWER THE QUESTIONS THAT ACTUALLY MATTER • What will I owe this year? Estimate federal tax, state tax, NIIT, IRMAA, ACA effects, and withholding needs before tax time. • How much should I convert to Roth this year, and over time? Build a multi-year conversion ladder instead of guessing. • When should my spouse and I claim Social Security? Compare claiming strategies across both lifetimes and survivor outcomes. • Which year should I make a major charitable gift? Test gift timing against conversions and your projected tax bill. • What does my family actually keep? Compare your lifetime taxes with what heirs may owe on inherited IRA assets. MULTI-YEAR TAX PLAN The Multi-Year Plan builds a Roth conversion strategy across your retirement horizon, then lets you choose how to convert: minimize lifetime tax, fill to a target tax bracket, or stay under a Medicare IRMAA tier. Compare the approaches side by side. Choose how each year's conversion tax is paid, and enter wages and pension income year by year for either spouse. See the projected impact on lifetime taxes, ending IRA and Roth balances, future RMDs, IRMAA exposure, and inherited-account taxes. Model charitable giving (QCDs and cash gifts), adjust any year, review the assumptions, and export a CPA-ready briefing. SCENARIO BUILDER: PLAN IN REAL TIME Test Roth conversions, withdrawals, QCDs, charitable gifts, withholding, and Social Security changes before you act. One screen shows federal tax (2026 brackets), state tax (all 50 states + DC), NIIT, IRMAA surcharges, ACA effects, standard vs. itemized with SALT cap math, and taxable brokerage income. See the cost of each converted dollar: every bracket, state step, and surcharge named where it begins. QUARTERLY ESTIMATED TAXES Record what you have paid: a payment ledger with dates and federal and state amounts, measured against each IRS due date and your safe-harbor target. Withholding counts across the year the way the IRS credits it, and your coverage prints in the report. RETIREMENT DRAWDOWN Project how your IRA and 401(k) balances spend down over 40 years: RMDs only, a target spending level, or a withdrawal rate. See when your income reaches the first Medicare IRMAA tier, in future or today's dollars. SOCIAL SECURITY COUPLES PLANNER Compare claiming at 62 vs. FRA vs. 70 for both spouses, with lifetime benefits and survivor protection side by side. RMD CALCULATOR FOR YOUR IRA AND INHERITED IRAs Most calculators get inherited IRAs wrong. RetireSmartI
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