# HeadroomCalc — Plan $ - control tax bracket. > Tax bracket planning and income optimization tool with offline capabilities. (iPhone/iPad app by Joseph Walker.) - Source: https://appshunter.io/ios/app/headroomcalc/id6754173227 (this page in markdown: same URL + `.md`) - Developer: [Joseph Walker](https://appshunter.io/developer/1841235861) - Category: Finance - Price: $1.99 - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 18.5 · 4 MB - Languages: American English - Released: 2025-11-03 - Data updated: 2026-06-04 - Monetization: paid - User reviews in markdown: https://appshunter.io/ios/app/headroomcalc/id6754173227/reviews.md ## What is HeadroomCalc? HeadroomCalc helps you estimate how much room you have before hitting the next federal tax bracket. Add your base income, then explore what-ifs like stock option exercises, contractor gigs, or bonuses add and see the impact on your bracket headroom before you commit. Whether you’re a W-2 employee, contractor, or early retiree, HeadroomCalc gives you a clear picture of your taxable income, deductions, and available space for optimization. Key Features - Live Headroom Meter: See how much room remains before your next bracket. - Optimize Tab: Model IRA, HSA, 401(k), and FSA adjustments. - What-If Scenarios: Add stock options, bonuses, or 1099 income to test your plan. - Case Studies & Tips: Built-in guides on itemizing, bunching, and Roth conversions. - Exportable Reports: One-page PDF summary of your tax profile and decisions. - Offline by Design: All calculations run locally with SwiftData — your data never leaves your device. Why It’s Different HeadroomCalc bridges the gap between calculators and full-blown tax software. It gives you clarity without complexity — fast, local, transparent. Built with SwiftUI and SwiftData, it includes a self-check repair tool, versioned JSON tax tables, and glossary-linked guidance for every input. Privacy Policy (in plain language) - No sign-in or account required. - No analytics or tracking SDKs. - No device permissions (camera, contacts, etc.). - Your data stays on your device unless you explicitly export a PDF. HeadroomCalc is fully offline. We do not collect or transmit any personal information. What’s New (v1.0.3 Build 1) - Improved Optimize tab layout for clarity on smaller screens. - Added 2025 tax bracket defaults. - Enhanced How To Use examples for W-2, 1099, and stock option scenarios. - Fixed rare crash when deleting and re-adding income entries. - Updated PDF export for accurate field rounding. Main Highlights: 1. Plan your income with precision. See exactly how much room you have before the next bracket. 2. Explore what-ifs in real time. Add stock options, bonuses, or contractor income without breaking your bracket. 3. Optimize your deductions. Model IRA, HSA, and 401(k) adjustments — see how each impacts AGI. 4. Standard vs Itemized — instantly compare. Flip between strategies to find your true savings. 5. Generate clean, shareable PDF reports. Export summaries for records or your CPA. 6. Built-in guidance and glossary. Every term explained, every step contextualized. 7. Offline and private. Your data stays local — no accounts, tracking, or uploads. Note: HeadroomCalc provides planning estimates based on your inputs and published federal tax brackets. It does not provide tax or legal advice and is intended for personal use only. ## Key features - Live Headroom Meter - What-If Scenarios - Deduction Optimization (IRA, HSA, 401k) - Standard vs. Itemized Comparison - Exportable PDF Reports - Offline Functionality - Built-in Guidance and Glossary ## Frequently asked questions about HeadroomCalc ### What is HeadroomCalc? HeadroomCalc is a personal finance tool designed to help you estimate your federal tax bracket headroom. It allows you to model various income scenarios and explore deduction strategies to optimize your tax planning. ### How does HeadroomCalc help with tax planning? It provides a live headroom meter to show your remaining room before the next tax bracket. You can model additional income like bonuses or stock options, and explore the impact of IRA, HSA, and 401(k) adjustments on your Adjusted Gross Income (AGI). ### Is HeadroomCalc secure and private? Yes, HeadroomCalc is designed for privacy. It requires no sign-in or account, uses no analytics or tracking SDKs, and does not request device permissions. All calculations run locally, and your data stays on your device unless you choose to export a PDF. ### What kind of reports can HeadroomCalc generate? HeadroomCalc can generate one-page, exportable PDF reports that summarize your tax profile and the decisions you've modeled. These reports can be useful for your personal records or for sharing with a CPA. ### Does HeadroomCalc provide tax or legal advice? No, HeadroomCalc provides planning estimates based on your inputs and published federal tax brackets. It is intended for personal use only and does not offer tax or legal advice. ### What platforms is HeadroomCalc available on? HeadroomCalc is available on iPhone and iPad, leveraging SwiftUI and SwiftData for its interface and local data storage. ### How often is HeadroomCalc updated? The latest version is 1.0.3, updated on 2025-11-03. Updates typically include improvements to the user interface, new tax bracket defaults, enhanced examples, and bug fixes to ensure reliability. ### What is the price of HeadroomCalc? HeadroomCalc is a paid application, available for $1.99. This one-time purchase grants you access to all its features for tax planning and income optimization. ## Version history (last 1 release) ### 1.0.3 — 2025-11-03 No release notes. ## More apps by Joseph Walker - [Do The Hard Thing](https://appshunter.io/ios/app/do-the-hard-thing/id6752832858) - [RMDAnalyzer](https://appshunter.io/ios/app/rmdanalyzer/id6753994543) All apps by Joseph Walker: https://appshunter.io/developer/1841235861 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-04.*