About RetireSmart IRA
Built for retirees and pre-retirees who want to understand their tax situation before making withdrawal decisions.
Our Mission
Retirement tax planning is complex. Between federal brackets, state taxes, Required Minimum Distributions, Medicare IRMAA surcharges, Roth conversion strategies, and charitable giving options, most people rely on spreadsheets, guesswork, or expensive advisors.
RetireSmart IRA puts all of these calculations in one place with real-time feedback, so you can make informed decisions about your retirement finances.
Why RetireSmart IRA?
- ✓Model Roth conversions, QCDs, and withdrawals to see the tax impact before you act
- ✓Avoid costly Medicare IRMAA surcharges with cliff-based threshold analysis
- ✓Compare state taxes across all 50 states for your specific income scenario
- ✓Generate PDF reports to share with your tax advisor
- ✓Complete privacy — all data stays on your device
Technical Highlights
- •Native SwiftUI app for iPhone, iPad, and Mac
- •Updated for 2026 federal tax law and all 50 state tax rates
- •All calculations performed on-device — no internet required
- •No subscriptions — download and use
Disclaimer
This app provides estimates for planning purposes only. It is not tax advice. Consult with a qualified tax professional or financial advisor for personalized advice. Tax laws and regulations may change. The developer is not affiliated with any financial institution.
© 2026 John Urban. All rights reserved.
Start Planning Your Retirement Taxes
Updated for 2026 federal tax brackets and all 50 state tax rates. Free to download.