RetireSmartIRA vs Life Admin Finance Tracker

Plan your retirement taxes like a pro — this year, next year, and across retirement. RetireSmartIRA helps you model the tax decisions usually scattered across spreadsheets, IRS worksheets, and CPA meetings: Roth conversions, Social Security timing, RMDs, IRMAA, the ACA cliff, and more. It's built for the financially engaged: people who want to understand their numbers, not just be told what to do. No spreadsheets, no black boxes: every dollar traces back to the input that produced it. ANSWER THE QUESTIONS THAT ACTUALLY MATTER • What will I owe this year? Estimate federal tax, state tax, NIIT, IRMAA, ACA effects, and withholding needs before tax time. • How much should I convert to Roth this year, and over time? Build a multi-year conversion ladder instead of guessing. • When should my spouse and I claim Social Security? Compare claiming strategies across both lifetimes and survivor outcomes. • Which year should I make a major charitable gift? Test gift timing against conversions and your projected tax bill. • What does my family actually keep? Compare your lifetime taxes with what heirs may owe on inherited IRA assets. MULTI-YEAR TAX PLAN The Multi-Year Plan builds a Roth conversion strategy across your retirement horizon, then lets you choose how to convert: minimize lifetime tax, fill to a target tax bracket, or stay under a Medicare IRMAA tier. Compare the approaches side by side. Choose how each year's conversion tax is paid, and enter wages and pension income year by year for either spouse. See the projected impact on lifetime taxes, ending IRA and Roth balances, future RMDs, IRMAA exposure, and inherited-account taxes. Model charitable giving (QCDs and cash gifts), adjust any year, review the assumptions, and export a CPA-ready briefing. SCENARIO BUILDER: PLAN IN REAL TIME Test Roth conversions, withdrawals, QCDs, charitable gifts, withholding, and Social Security changes before you act. One screen shows federal tax (2026 brackets), state tax (all 50 states + DC), NIIT, IRMAA surcharges, ACA effects, standard vs. itemized with SALT cap math, and taxable brokerage income. See the cost of each converted dollar: every bracket, state step, and surcharge named where it begins. QUARTERLY ESTIMATED TAXES Record what you have paid: a payment ledger with dates and federal and state amounts, measured against each IRS due date and your safe-harbor target. Withholding counts across the year the way the IRS credits it, and your coverage prints in the report. RETIREMENT DRAWDOWN Project how your IRA and 401(k) balances spend down over 40 years: RMDs only, a target spending level, or a withdrawal rate. See when your income reaches the first Medicare IRMAA tier, in future or today's dollars. SOCIAL SECURITY COUPLES PLANNER Compare claiming at 62 vs. FRA vs. 70 for both spouses, with lifetime benefits and survivor protection side by side. RMD CALCULATOR FOR YOUR IRA AND INHERITED IRAs Most calculators get inherited IRAs wrong. RetireSmartIRA handles RMDs at 73 (or 75 under SECURE 2.0), spousal inherited IRAs, the 10-year rule, and stretch options for eligible beneficiaries. WHO IT'S FOR • Anyone doing this year's retirement tax planning: conversions, withdrawals, charitable gifts, withholding • Pre-retirees mapping out a multi-year Roth conversion strategy • Retirees managing RMDs, IRMAA, and the ACA cliff • Anyone with a government pension, 457 or 403(b) whose state taxes it differently • Federal/military households (FERS, military retirement, VA Disability) ALWAYS CURRENT Every IRS limit, HHS poverty guideline, ACA threshold, and Medicare bracket reflects 2026 values. State tax data is verified against each state's own published forms, and every state shows the date it was last checked and the sources behind it. PRIVATE BY DESIGN Your financial data never leaves your device: no cloud accounts, no data harvesting, no ads, no subscriptions. BUILT FOR APPLE Native iPhone, iPad, and Mac app. Free on all three.

Life Admin is the personal finance app built on one idea: you should never pay a monthly fee just to see where your money is going. Track bills, subscriptions, expenses, savings goals, and debt — all in one place. Connect your bank for automatic detection, or go fully manual. Either way, the core app is free. BILLS AND SUBSCRIPTIONS See every recurring charge in one list. Know exactly what is due and when. Get push notifications 3 days out, the day before, and the day bills are due. BUDGET AND SPENDING LIMITS Build a custom spending plan and see a live breakdown of where your money goes. Set monthly caps by category and get alerted at 80% and 100%. SAVINGS GOALS Set goals with a target amount, monthly contribution, and projected finish date. Track every goal in one place — emergency fund, vacation, down payment, whatever matters to you. DEBT TRACKER Add every debt: credit cards, student loans, auto loans, medical bills. Pick snowball or avalanche and see your exact payoff timeline and estimated interest. CANCEL MANAGER See step-by-step cancellation instructions for hundreds of apps and services. Track what you have cancelled and how much you are saving every month. NET WORTH Track assets and liabilities. See your real net worth and watch it grow over time. CREDIT CARDS Track balances, available credit, and utilization across all your cards. INSIGHTS Month over month spending trends, top recurring charges, spending by category, and your annual burn rate without digging through bank statements. GAS TRACKER Log fill-ups, track cost per mile, and see monthly fuel spending. HOUSEHOLD Manage shared bills and expenses with a partner or family member. AUTOAI Ask questions about your finances in plain English and get answers based on your actual data. PUSH NOTIFICATIONS Bill due reminders. Spending limit alerts. Debt payoff milestones. Weekly spending summaries. All configurable. FREE FOREVER The core app is completely free. No subscription, no credit card, no catch. Connect your bank with Pro for automatic sync and AI features. PRO $6.99 per month or $49.99 per year. Connect your bank account with read only access. Automatic subscription and expense detection. Recurring transaction predictions. Receipt scanning with AI. Priority support. YOUR DATA Life Admin never sells your data. Bank connections are read only. Delete your account and all data at any time from the app.