What's New in RetireSmartIRA

Our most accurate and most readable release yet — every IRS limit, HHS poverty guideline, and ACA cliff threshold reflects 2026 values. Plus dozens of fixes from beta-tester feedback.

• 2026 IRS limits applied across the board

  HSA contribution limits (Rev. Proc. 2025-19), HHS poverty guidelines, ACA cliff thresholds, and every contribution cap reflect 2026 values. Your numbers match what your CPA will use.

• ACA cliff warnings tell the truth

  Crossing the ACA subsidy cliff at year-end doesn't just cost you next year's help — you have to repay the advance credits you've already received. RetireSmartIRA now makes that consequence crystal clear, with dollar-specific repayment estimates.

• Scenario Builder reorganized

  Sections now flow the way a tax pro thinks: pre-tax contributions and charitable gifts (reduce AGI) → withdrawals → Roth conversions (strategic AGI increase). Step numbers renumber dynamically based on what's visible to you.

• See your math

  A new "How is Total Taxable computed?" disclosure shows every line: income − deductions − pre-tax contributions + Roth conversions = taxable. No more guessing what moved the number.

• Total Taxable now responds to pre-tax contributions

  Adjusting 401(k), Traditional IRA, or HSA contributions in the Scenario Builder now correctly reduces the Total Taxable header. Previously, only Roth conversions updated it — leading to confusing partial recalculation.

• Refined Silver plan inputs and labels

  The Silver plan benchmark now includes a caveat about household-specific costs, with a direct link to the KFF calculator for an exact estimate. "Extra Withdrawal" became "Additional Withdrawal." Duplicate Silver plan rows removed from Settings.

Get 1.8.1 on the App Store

Available for iPhone, iPad, and Mac. No account required.

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