Retirement tax calculator

Filing status

Your age at year end

Spouse’s age at year end

State

Social Security a year ($)

IRA and 401(k) withdrawals ($)

Pension or annuity ($)

Roth conversion ($)

Wages ($)

Interest ($)

Qualified dividends ($)

Long-term capital gains ($)

Total 2026 tax$4,1304.2% of $98,000 income

Federal income tax$4,13012% bracket on the last dollar

State income tax$0Pick a state to add it

Taxable Social Security$34,05081% of your benefits

Tax on the next $1,000$222Of IRA withdrawal, federal plus state

Deductions$47,500Includes $12,000 senior deduction

Adjusted gross income$90,050Also your MAGI for IRMAA

On $98,000 of income, the 2026 tax is about $4,130: $4,130 federal. $34,050 of your Social Security is taxable. The next $1,000 you withdraw from an IRA would cost $222 in tax.

Free Retirement tax calculator by Killion Labs. Tables, worked examples and assumptions are on the full page.