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 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.