RetireOdds
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RetireOdds builds a detailed year-by-year ledger of your entire retirement, tracking how taxes and healthcare decisions interact with your accounts. It models federal income tax, Social Security taxation, required minimum distributions, and ACA subsidy eligibility as interconnected systems. The engine shows how Roth conversions today affect ACA costs and healthcare subsidies years later, capturing effects that simpler calculators miss.
The tool is built for people who need tax-sensitive planning, particularly those approaching early retirement before Medicare eligibility. A 30-day free trial lets you test the methodology before committing to the subscription, making it accessible for thorough evaluation.