About TaxPlanCalc

TaxPlanCalc is a set of free calculators for the money decisions around retirement and taxes: when to convert to a Roth, how much your RMD is, what a FERS pension pays, what you owe on 1099 income, and what your state takes.

Each calculator works on your own numbers and shows the result as a list of steps, so you can see how the answer was reached. Results are estimates for planning, not tax or investment advice, and they don't replace a return prepared for your full situation.

Where the numbers come from

Tax brackets, limits and tables are from the agencies that set them. State rates come from each state's revenue department and the Tax Foundation's 2026 state income tax table.

• IRS Rev. Proc. 2025-32 (2026 inflation adjustments)
• IRS Notice 2025-67 (2026 retirement plan limits)
• IRS Rev. Proc. 2025-19 (2026 HSA limits)
• IRS Schedule 1-A (2025), Part V
• IRS Publication 505 (2026)
• IRS Publication 590-B, Appendix B
• IRS Rev. Rul. 2026-19 (October 2026 AFRs)
• IRS Notice 2026-10 and Announcement 2026-11 (mileage)
• SSA 2026 COLA fact sheet
• CMS 2026 Medicare Parts A & B premiums and deductibles
• TreasuryDirect Series I rate chart
• OPM FERS computation
• TSP loans
• IRS Notice 2022-6 (72(t) payments)
• Tax Foundation, State Individual Income Tax Rates and Brackets, 2026

The figures are for tax year 2026 and are updated each January when the new year's amounts are published.