Disclaimer

RetirementTaxIndex provides general educational information and planning estimates. It is not tax, legal, accounting, investment, insurance, or Medicare advice.

Calculator limits

The IRMAA tools use the published 2026 CMS and SSA tables. They do not forecast future premium years. The Roth conversion tool assumes the entered added amount is taxable and reaches MAGI. The Social Security tool uses a simplified Publication 915 framework and omits special worksheets and elections described on its page.

Verify before acting

Confirm the tax year and MAGI on your SSA notice, use current IRS forms for the return being filed, and review account basis, deductions, state law, Medicare enrollment, and household facts. Consult qualified professionals for decisions involving conversions, distributions, appeals, filings, or benefit elections.

External sources

Government links are provided to make verification easier. RetirementTaxIndex does not control their availability or later revisions and is not endorsed by the linked agencies.