How it works

What these calculators do, and what they leave out.

What we do

Each calculator applies published federal rules to the few numbers you enter, answers in one sentence first, and shows the math in Detailed mode.

Where the numbers come from

• Tax brackets and standard deductions: IRS Rev. Proc. 2025-32 (tax year 2026).
• Medicare Part B and Part D premiums and IRMAA tiers: CMS and SSA (2026).
• Marketplace subsidy percentages: IRS Rev. Proc. 2026-26 and HHS poverty guidelines (plan year 2027).

Thresholds live in one data file per year and are re-checked every year. Each result shows which year it uses.

Privacy

All math runs in your browser. Nothing you enter is sent to a server or stored.

What these tools leave out

Results are simplified: federal ordinary income only, no state taxes, credits, or special cases. Always confirm with official sources and a tax professional.

Found an error?

Tell us at contact@incomecliff.com. We take number errors seriously and fix them quickly.