Calculators

Educational calculators, with the assumptions in view.

Each tool is an illustration—not a recommendation or forecast. Start with the complete planning estimate, compare focused retirement-tax scenarios, or explore a supporting tool.

Primary Agent Roth experience

Roth conversion planning estimate

Organize household, account, income, Social Security, and lifestyle-need inputs into an educational retirement-tax planning picture.

Start the estimate

Featured tools

Retirement Tax Planning

Retirement income taxes

Social Security Tax Calculator

Estimate how much of your Social Security benefits may be federally taxable, then compare the effect of additional taxable Roth conversion income. This is not a tax-bill estimate.

  • Taxable and nontaxable benefit shares
  • Combined-income explanation
  • Optional Roth conversion comparison
Estimate taxable benefits

Retirement tax planning

Future RMD & Roth Conversion Impact Calculator

Project future required minimum distributions and compare how modeled annual Roth conversions may change pre-tax and Roth account balances.

  • Future RMD estimate
  • Side-by-side account projections
  • Modeled conversion impact
Compare the scenarios

Paycheck tax planning

2026 Federal Paycheck Withholding Calculator

Estimate federal income-tax withholding from a regular paycheck using IRS Publication 15-T Worksheet 1A and current Form W-4 inputs.

  • Estimated withholding per paycheck
  • Annualized withholding pace
  • Optional year-end projection
Estimate paycheck withholding

Retirement tax planning

Roth Conversion Tax-Bracket & IRMAA Calculator

Model how a taxable Roth conversion may move through the 2026 federal tax brackets and compare projected income with current Medicare IRMAA thresholds.

  • Estimated conversion tax
  • Marginal-bracket view
  • IRMAA threshold context
Open the calculator

Supporting calculators

Retirement planning

Retirement income calculator

Illustrate an income gap and how long savings may last under adjustable return, inflation, contribution, and planning-age assumptions.

Open Retirement income calculator

Compound growth

Rule of 72 calculator

Compare the Rule of 72 shortcut with exact annual compounding under a constant positive return assumption.

Open Rule of 72 calculator

Secondary planning tool

529 college savings calculator

Illustrate future college costs, projected savings, and a possible funding gap. This tool is useful, but separate from Agent Roth’s retirement-tax focus.

Open 529 college savings calculator

Methodologies exclude many facts that may materially affect a real decision, including taxes, fees, investment variability, account rules, healthcare costs, and personal circumstances. Review the educational disclosures.