Lifetime tax
✂️$81K
federal + payroll + IRMAA
Avg effective rate
%3.8%
federal income tax ÷ income
Roth conversion yrs
🔄0
bracket-fill off
IRMAA exposure
🏥0 yr
no cliffs
Income sources — stacked by year
Taxes owed — stacked by year
61592026
Taxable income$0
Ordinary$0
Long-term gains$21,425
Effective rate0.0%