RetireReady · Premium · 2026 Tax Data
Advanced Retirement Planner
Inflation-adjusted · 7 Account Types · Social Security · Pension · RMD Planning
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Guaranteed Income & Settings
✦ Drag sliders or click any value to type · SS is COLA-adjusted · Pension is fixed nominal · HSA withdrawals assumed tax-free (medical)
Projection
—
estimated nest egg at retirement
Savings Over Your Lifetime
With investment growth
Contributions only
Balance depleted
2026 Key Financial Data Per IRS & SSA 2026 schedules
2026 Tax Brackets — Single
$0 – $12,40010%
$12,401 – $50,40012%
$50,401 – $105,70022%
$105,701 – $201,77524%
$201,776 – $256,22532%
$256,226 – $640,60035%
Over $640,60037%
Standard deduction$16,100
2026 Tax Brackets — Married Filing Jointly
$0 – $24,80010%
$24,801 – $100,80012%
$100,801 – $211,40022%
$211,401 – $403,55024%
$403,551 – $512,45032%
$512,451 – $768,70035%
Over $768,70037%
Standard deduction$32,200
Capital Gains (2026)
0% — Single below / Married below$49,450 / $98,900
15% — Single / Married above$49,450 / $98,900
20% — Single / Married above$545,500 / $613,700
Account Types & Tax Treatment
401(k) / 403(b) / Traditional IRATaxed at withdrawal
Roth IRA / Roth 401(k)Tax-free · No RMDs*
HSA (medical withdrawals)Triple tax-free
HSA (non-medical, after 65)Taxed as ordinary income
Taxable brokerageCapital gains rates
Pension incomeFully taxable
Social Security (max)Up to 85% taxable
Retirement Contribution Limits (2026)
IRA / Roth IRA limit$7,500
IRA catch-up (age 50+)+$1,100
401(k) / Roth 401(k) deferral$24,500
401(k) catch-up (age 50–59, 64+)+$8,000
401(k) catch-up (age 60–63)+$11,250
HSA individual / family$4,400 / $8,750
HSA catch-up (age 55+)+$1,000
Defined-contribution plan max$72,000
Social Security (2026)
Max monthly benefit at FRA (67)$4,152/mo
Earnings limit (under FRA)$24,480/yr
SS FICA wage base$184,500
SS taxable — single PI $25K–$34Kup to 50%
SS taxable — single PI over $34Kup to 85%
SS taxable — married PI over $44Kup to 85%
Medicare (2026)
Part B base premium$202.90/mo
Part A deductible (first 60 days)$1,736
IRMAA applies above (single/joint)$109K / $218K
Gift & Estate (2026)
Annual gift exclusion$19,000
Estate / GST exclusion$15,000,000
* Roth 401(k) RMDs eliminated per SECURE 2.0 Act (effective 2024)
Year-by-Year After-Tax Projection show ▾