Tax Headroom

Tax Headroom helps you estimate how much room you have before crossing key federal tax thresholds. Model current-year federal tax outcomes from Roth conversions, IRA withdrawals, QCDs, capital gains, dividends, Social Security, ACA premium subsidies, IRMAA, NIIT, AMT, deductions, credits, and estimated payments. The app is built for quick what-if planning, so you can adjust sliders and immediately see how your AGI, taxable income, ACA MAGI, IRMAA MAGI, federal tax, and payment due may change. Use Tax Headroom to explore questions like: • How much Roth conversion room do I have this year? • How much long-term capital gain can I realize before a higher bracket? • Will extra income affect my ACA subsidy? • Am I close to an IRMAA threshold? • How do QCDs or charitable contributions affect my outcome? • What estimated payment might I need? Tax Headroom focuses on federal current-year planning. It is not tax filing software and does not currently model state taxes. Results are estimates based on the values you enter and should be reviewed with a qualified tax professional before making tax or investment decisions.