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Retirement Tax Estimator

See what your IRA or 401(k) could cost you in taxes and Medicare surcharges, and how to shrink that bill. Five short steps.

Step 1 of 5

Start with your numbers

We filled in an example couple, 66 and 65, with $1.1 million saved. Replace it with your own numbers. Everything updates as you type.

Filing status

Traditional IRA, 401(k), 403(b). Leave out Roth accounts.

Social Security, pensions, rental income.

How many of you are on Medicare, or will be?
Assumptions: 24% tax rate · 7% yearly growth · through age 90Change
24%

Many retirees with savings like this pay 22% or 24% on each extra dollar.

7%

Real returns go up and down from year to year.

90

Your estimated cost of waiting

Educational illustration, not tax, legal, or investment advice. The model uses one flat tax rate, steady growth, and 2026 Medicare limits held constant, and it adds future dollars without adjusting for inflation. Deduction strategies require real investment, carry risk including loss of principal, and must meet IRS rules. Talk with a qualified professional before acting.

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