Keep more of your money. Cut the tax on your Social Security, savings, and Medicare.
A simple planner with four spreadsheets. They show how to cut the tax on your Social Security. When to pull money out. How to miss the IRMAA jump. And how to move money to a Roth at today’s rates.
- Start Here: Keep More of It
- The Four Calculators and Sources
- Part 1 — Is Your Social Security Taxed?
- Part 2 — The New $6,000 Senior Deduction
- Part 3 — IRMAA: The Medicare Surcharge
- Part 4 — Required Withdrawals (RMDs)
- Part 5 — The Roth-Conversion Window
- Part 6 — The Right Order to Spend
- Part 7 — Your State's Retirement Taxes
- Four Retirement-Tax Calculators (Excel)
- State Retirement Tax Pack (51 states)
- Start Here: Keep More of It
- The Four Calculators and Sources
- Part 1 — Is Your Social Security Taxed?
- Part 2 — The New $6,000 Senior Deduction
- Part 3 — IRMAA: The Medicare Surcharge
- Part 4 — Required Withdrawals (RMDs)
- Part 5 — The Roth-Conversion Window
- Part 6 — The Right Order to Spend
- Part 7 — Your State's Retirement Taxes
- Four Retirement-Tax Calculators (Excel)
- State Retirement Tax Pack (51 states)
- Start Here: Keep More of It
- The Four Calculators and Sources
- Part 1 — Is Your Social Security Taxed?
- Part 2 — The New $6,000 Senior Deduction
- Part 3 — IRMAA: The Medicare Surcharge
- Part 4 — Required Withdrawals (RMDs)
- Part 5 — The Roth-Conversion Window
- Part 6 — The Right Order to Spend
- Part 7 — Your State's Retirement Taxes
- Four Retirement-Tax Calculators (Excel)
- State Retirement Tax Pack (51 states)
Prices shown are each part's own list price. Totals are what the set would cost bought separately.
Right now you might be thinking…
Sound familiar?
Every one of those is covered in here. This was built for people starting from exactly that spot.
Here is what you will actually be able to do:
- ✓See how much of your Social Security gets taxed. And the moves that keep you under the line.
- ✓Miss the IRMAA jump on your Medicare premium. And fight it with form SSA-44 when life changes.
- ✓Get your pull-out schedule right at age 73 or 75. So you never get hit with a fine.
- ✓Use the fill the bracket move to shift money to a Roth at today’s lower rates.
- ✓Build one plan across all your accounts. Your money lasts longer and your tax stays low.
…and a good deal more.
YES — SEND IT TO ME — $47The whole kit · on your screen in a minute↓ Keep scrolling for all 10 parts ↓
If you want the decision made properly, these come first:
Start Here: Keep More of It
The moves that cut the tax on your Social Security, your savings and your Medicare premium, with a 60-second scan so you can see which parts apply to you before you read a word more.
Part 1 · Is Your Social Security Taxed?
It turns on one number, provisional income, and the thresholds that decide it have never been adjusted for inflation, so more people cross them every year. How the number works and the ways to lower it.
Part 2 · The New $6,000 Senior Deduction
A 2025 law added a temporary deduction for people 65 and over, on top of the extra standard deduction you already get. Who qualifies for 2025 through 2028, the income phase-out a single large withdrawal can walk you into, and a page of the 2026 numbers with a worked example.
Part 3 · IRMAA: The Medicare Surcharge
Cross a threshold and Medicare adds a surcharge to your Part B and Part D premiums, set from a tax return two years old. The tiers, the cliff that makes one dollar cost hundreds, and the life-changing-event appeal most people never file.
Part 4 · Required Withdrawals (RMDs)
When required distributions start (73 or 75), how the amount is worked out, the penalty for missing one, and the charity route (a QCD) that keeps the withdrawal out of your income. With the 2026 brackets and Roth rules page.
If you want it to still be right in six months, these do that:
Part 5 · The Roth-Conversion Window
The years between retiring and RMDs starting, when converting to a Roth can cost the least it ever will. Why convert, the fill-the-bracket method, and the ripple effects on Social Security tax and IRMAA. With the 2026 brackets and Roth rules page.
Part 6 · The Right Order to Spend
The default order for drawing down your accounts, and the smarter version where you deliberately fill low brackets in low-income years. With a fill-in worksheet for your own coordinated withdrawal plan.
Part 7 · Your State's Retirement Taxes
Where you live decides whether your Social Security, pension and withdrawals are taxed again. The nine states with no income tax, the eight that still tax Social Security in 2026, and the states with broad pension exemptions or senior exclusions.
The Four Calculators and Sources
How to use the four spreadsheet calculators together, plus the official source behind every figure in the kit.
Four Retirement-Tax Calculators (Excel)
Provisional income, the RMD, the IRMAA bracket, and a Roth-conversion sizer. Type your figures; each one returns the number the guide tells you to plan around.
Price it out:
You save $163. That is 78% off.
I WANT THIS KIT — $47The whole kit · on your screen in a minuteWhat people tell us
Here is what a few have said ↓
“I entered our retirement income, withdrawals, and estimated taxes and could immediately see where our money was going. I'm not great with spreadsheets, but this one was simple enough that I didn't need help.”
“Seeing IRA withdrawals, Social Security, pensions, and estimated taxes on the same worksheet made retirement taxes much easier to understand. It gave me a much better list of questions for my CPA.”
“I probably could have found most of this information eventually, but I would have spent days doing it. This organized it into one system and showed me what information mattered.”
“My parents are in their 70s and I handle a lot of their paperwork. The checklists made it much easier to figure out what had already been handled and what still needed attention.”
Reviews are from RetireShield customers, and cover our kits as a whole rather than this one alone. Individual results. Results may vary and are not guaranteed.
I hear these a lot…
“I would not know where to start”
That is exactly what the first part is for — it starts from zero and tells you the next single thing to do.
“I am not good with computers”
Every guide is a PDF you can read on your phone or print at home. Nothing to install, nothing to set up. The spreadsheet opens in Excel or Google Sheets.
“I have put this off for a while”
Then start with “Start Here: Keep More of It.” It is short and tells you what to do first.
“I should probably ask my daughter”
Hand it to them. The worksheets are made to be filled in together.
30 days. You risk nothing.
If it does not help you, email us inside 30 days and we send back every penny. We will not ask you why. We never sell your name or your email.
Questions people ask
Is this easy to use?+
Yes. Plain words, plus spreadsheets that just ask for a few numbers. If you can use a simple spreadsheet, you can use this.
Do I need Excel?+
They open in Excel, Numbers, or free Google Sheets. The guide is a PDF. It opens on any device.
When do I get it?+
Right away. It shows up on your screen the moment you pay. We email you a copy too.
Do I pay every month?+
No. You pay $47 one time. Nothing repeats. There is nothing to cancel.
Is this tax advice?+
No. It only teaches you. For your own return, a tax pro can help. This planner shows you the moves and the math to bring them.
Keep more of your money. Cut the tax on your Social Security, savings, and Medicare.
- Start Here: Keep More of It
- The Four Calculators and Sources
- Part 1 — Is Your Social Security Taxed?
- Part 2 — The New $6,000 Senior Deduction
- Part 3 — IRMAA: The Medicare Surcharge
- Part 4 — Required Withdrawals (RMDs)
- Part 5 — The Roth-Conversion Window
- Part 6 — The Right Order to Spend
- Part 7 — Your State's Retirement Taxes
- Four Retirement-Tax Calculators (Excel)
- State Retirement Tax Pack (51 states)
- Start Here: Keep More of It
- The Four Calculators and Sources
- Part 1 — Is Your Social Security Taxed?
- Part 2 — The New $6,000 Senior Deduction
- Part 3 — IRMAA: The Medicare Surcharge
- Part 4 — Required Withdrawals (RMDs)
- Part 5 — The Roth-Conversion Window
- Part 6 — The Right Order to Spend
- Part 7 — Your State's Retirement Taxes
- Four Retirement-Tax Calculators (Excel)
- State Retirement Tax Pack (51 states)
- Start Here: Keep More of It
- The Four Calculators and Sources
- Part 1 — Is Your Social Security Taxed?
- Part 2 — The New $6,000 Senior Deduction
- Part 3 — IRMAA: The Medicare Surcharge
- Part 4 — Required Withdrawals (RMDs)
- Part 5 — The Roth-Conversion Window
- Part 6 — The Right Order to Spend
- Part 7 — Your State's Retirement Taxes
- Four Retirement-Tax Calculators (Excel)
- State Retirement Tax Pack (51 states)
Takes about a minute. You will be reading in two.
The Retirement Money Brief
Our free email for people over 65. One change to Medicare, taxes or benefits each weekday morning — the date to watch, and the one step to take.
RetireShield is independent and is not affiliated with or endorsed by any government agency. Our materials are educational and are not legal, tax, medical, insurance or benefits advice. Results may vary and are not guaranteed. © 2026 RetireShield.