# TaxEstimateCalculator — Plan Roth conversions and tax

> Plan Roth conversions and tax (iPhone/iPad app by Easy Chair Apps Lab, LLC.)

- Source: https://appshunter.io/ios/app/taxestimatecalculator/id6775992345 (this page in markdown: same URL + `.md`)
- Developer: [Easy Chair Apps Lab, LLC](https://appshunter.io/developer/1895209637)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 17.0 · 1 MB
- Languages: American English
- Released: 2026-06-09
- Data updated: 2026-07-29
- User reviews in markdown: https://appshunter.io/ios/app/taxestimatecalculator/id6775992345/reviews.md

## What is TaxEstimateCalculator?

TaxEstimateCalculator is a this-year tax planner for self-managing retirees. It answers two questions the long-term retirement planners don't:

  • How much more ordinary income (or Roth conversion) can I take this year before it costs me more than I want?
  • What do I actually owe in estimated tax this quarter, and how do I avoid an underpayment penalty?

Built for the audience that already knows the concepts (brackets, IRMAA, safe harbor, RMD) but doesn't want to do the arithmetic by hand.

HEADROOM
  • Hero number: "You can convert up to $X and stay in the 22% bracket."
  • Marginal-rate curve plotting the tax on your next dollar against additional conversion. Bracket transitions show as step-ups; SS-taxability and OBBBA-phaseout regions show as bumps above the nominal bracket rate.
  • Labeled x-axis at every upcoming bracket edge so you can read exact dollar headroom directly from the chart.
  • Cliff list: IRMAA tiers (with 2-year forward perspective — a 2026 conversion drives 2028 premiums), LTCG 0%/15% threshold, OBBBA senior-bonus phaseout end. Each shows distance in dollars and annual cost if crossed.

PAY (FEDERAL + STATE)
  • Target / Paid / Left progress bar against the safe-harbor target (lesser of 90% of this year's tax, or 100%/110% of last year's tax).
  • Quarter-by-quarter table showing target vs actual payments.
  • Two strategy modes: Safe Harbor (the standard 4-quarter view) and Pay-as-you-Convert (a what-if calculator: enter a hypothetical conversion, see the additional federal tax to add to your next 1040-ES voucher).
  • December-withholding suggestion: cover the whole year's shortfall by withholding from a year-end conversion or distribution.
  • State tax: full computation for no-income-tax states (TX, FL, AK, NV, NH, SD, TN, WA, WY) and flat-rate states (PA, IL, CO, MI, IN, KY, UT, NC, MS, AZ, ID, GA, IA, MA), now modeling per-person, age-gated pension/retirement-income exclusions and government-vs-private pension treatment. Progressive states (CA, NY, NJ, etc.) get an information card with the top marginal rate and retirement-income treatment.

REQUIRED WITHDRAWAL (RMD)
  • Computes the required amount from your pre-tax balances and birthdate using the IRS Uniform Lifetime Table.
  • Handles the SECURE 2.0 age-73 / age-75 split (depending on birth year).
  • Flags the double-RMD trap if you deferred your first RMD past April 1.
  • Lets you record what you've already withdrawn and shows what's left.

PRINTABLE PDF REPORT
  • Three-page report mirroring a CPA tax-planning analysis: income summary, bracket-fill tax calculation, federal + state summary, estimated quarterly payments, headroom analysis, source citations.
  • Share to Files, Mail, AirDrop, or print directly.

DATA OWNERSHIP
  • 100% on-device. No account, no sign-in.
  • Zero analytics, tracking, or telemetry SDKs.
  • No network requests from the engines or UI. The only network path is Apple StoreKit if you tip.
  • Your household profile saves to a plain JSON file in the app's Documents directory.
  • Export your data to share with your tax preparer or move to a new device. Import from any prior export.

REFERENCE
  • Glossary explaining every term the app uses (Roth conversion, MAGI, IRMAA, safe harbor, OBBBA bonus, etc.).
  • Reference Data hub you can drill into — federal brackets, capital gains, deductions, Social Security taxability, IRMAA tiers, the RMD table, and per-state pension exclusions — each with its source citation (IRS Rev. Proc., CMS, state DOR).
  • State Tax screen with rate and retirement-income treatment for all 50 states + DC.

NOT TAX ADVICE
TaxEstimateCalculator is an estimator. It is not tax advice. Confirm any decision with a CPA, EA, or qualified tax preparer.

Supports all five filing statuses (MFJ, QSS, Single, HoH, MFS) and the 2026 tax year.

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Small Tip | $0.99 | one-time |
| Medium Tip | $2.99 | one-time |
| Large Tip | $4.99 | one-time |



## Version history (last 2 releases)

### 1.0.1 — 2026-07-18

- fixes for some states
- updated reference data to make data being used more visible
- add pension deductions for some states
- government vs private pensions

### 1.0 — 2026-06-09

No release notes.

## More apps by Easy Chair Apps Lab, LLC

- [GameNightScorePad](https://appshunter.io/ios/app/gamenightscorepad/id6763194916)
- [RetirementPlannerSimulator](https://appshunter.io/ios/app/retirementplannersimulator/id6770515267)

All apps by Easy Chair Apps Lab, LLC: https://appshunter.io/developer/1895209637

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*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 2026-07-29.*