Income Tax Plannerv2.3

⚠ This tool is not guaranteed to be accurate. Use at your own risk.

Change Log

v2.3

Added clear Net Income. Break out CG and Federal rate.

v2.2

Added 13 states: AL, AZ, CO, IN, KY, MA, ME, MN, MT, ND, OH, SC, WI. 36 states covered total (including 9 no-income-tax states).

What questions does this answer?

A · Marginal sensitivity

How does my total tax burden change as income shifts? Zoom in on your income range for fine-grained detail — the chart step size shrinks automatically. Cliffs, humps, and flat regions are all visible at a glance.

B · Sweet spots & danger zones

Where are the SS torpedo, IRMAA tier crossings, and NIIT threshold? The vertical reference lines and marginal rate curves (purple and yellow dashed) make them immediately visible.

C · True all-in effective rate

Federal + state + IRMAA combined, not just the marginal bracket. The white line on the Tax Rates view is the number that actually matters for planning.

D · Withholding guidance

Hover your expected income on the chart. The info panel below shows every component — rates and dollars — simultaneously at that income level.

E · Filing status changes

Switch the Filing Status control between MFJ and Single to see how marriage or becoming single shifts your brackets, standard deduction, IRMAA tiers, and effective rates — at every income level simultaneously.

F · State changes

Select a different state to instantly see how a move reshapes your all-in effective rate. States with no income tax, flat taxes, and progressive brackets all produce visibly different curves.

G · Aging and future-year projections

Increment your age to see how turning 65 (Medicare, IRMAA) or 73 (RMDs) affects the picture. Change the year to model the same income in the future — OBBBA senior deduction and SALT cap provisions sunset at different years, so you can see the tax landscape before and after those cliffs.

How the income sweep works

The x-axis sweeps ordinary income across the visible range (default $30k–$620k; the View slider can extend it up to $1.1M). Ordinary income covers wages, IRA/401k withdrawals, pensions, and RMDs — anything taxed at regular rates. Social Security and capital gains are entered as fixed amounts that apply at every point across the sweep, letting you see how they interact with the income ramp. The top x-axis shows the total income (ordinary + SS + CG gain) at each corresponding point.

The step size between data points and the x-axis label spacing both adapt automatically to the visible range — zoom into a narrower window and you get finer granularity with denser labels.

Chart controls

• Tax Rates / Tax Dollars — toggles the chart between rate lines (effective + marginal) and dollar-amount stacked bars.
• Legend items — click any entry in the legend to toggle that line or bar series on/off. Useful for hiding distracting lines (e.g. IRMAA tiers you don't need).
• Click a column — pins that income level so the info panel stays visible. With AutoZoom on, clicking also centers and zooms the chart around that income level, adjusting the label step size automatically.
• AutoZoom button — when active (teal), clicking a column auto-zooms to a window around that income. Toggle it off to pin without zooming.
• Full button — resets the view back to the full $0–$1.1M range.
• View slider (below the chart) — drag either handle to set the lower or upper bound of the visible income range directly. The chart redraws and label spacing adapts immediately. The slider and AutoZoom/Full buttons all stay in sync.

The chart

• Tax Rates view — federal effective (blue), state effective (orange), total effective (white), federal marginal on ordinary income + CG (purple dashed), and state marginal (yellow dashed).
• Tax Dollars view — stacked bars for Federal Ordinary, Federal CG, IRMAA, State Ordinary, and State CG. The teal line (right axis) is your MAGI — the figure used to determine next year's IRMAA tier.
• Info panel — hovering the chart shows all rates and dollar amounts for that income level simultaneously, regardless of which view is active.
• IRMAA tier lines — click any IRMAA entry in the legend (Tax Dollars view) to toggle its vertical reference line.
• Top axis — shows total income (ordinary + SS + CG) at each major ordinary income mark. When SS and CG are zero it matches the bottom axis.

Share button

The Share button encodes all current settings into the URL and copies it to your clipboard. Paste it into any browser — or save it as a bookmark — to restore the exact same configuration. Works from a local file (file://) as well as a web server.

Simplifications

• IRMAA lookback: Medicare IRMAA uses your MAGI from two years prior. This tool applies it to current-year MAGI — convenient for planning but optimistic by about two years if you've recently had a high-income year.
• OBBBA provisions (P.L. 119-21, signed July 4, 2025): the $6,000/person senior deduction applies through 2028 and phases out 6¢/$1 above $150k/$75k AGI. The $40,000 SALT cap (2025; +1%/yr through 2029) phases down 30¢/$1 above $500k MAGI and reverts to $10k in 2030. All parameters are sourced from TAXData.OBBBA.
• SS provisional income thresholds ($32k/$44k MFJ, $25k/$34k Single) are intentionally not inflation-adjusted — that is current law, and the reason the SS torpedo worsens over time.
• NIIT threshold ($250k MFJ / $200k Single) is also not inflation-indexed — another orphan in the tax code, unchanged since 2013.
• Excluded: AMT, self-employment tax, qualified dividends (modeled as CG), muni bond interest.

State-specific notes