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These tools are primarily for those in or very near retirement and are looking to optimize their spending in retirement. High net worth (IRA Millionaire) folks are most likely to be interested.
2026 Roth conversion calculator that prices what brokerage tools miss: the Social Security tax torpedo, the senior deduction clawback, and Medicare IRMAA cliffs two years out. Zero dependencies, no network calls, every figure primary-source verified and dated.