9 deterministic IRS tax, RMD, Roth, Solo 401k, Form 1040, TALS, Estate & SBLOC calculators.
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Use this tool whenever an investor or advisor asks how to diversify a concentrated low-basis stock position, evaluates a 130/30, 150/50, 200/100, or 300/200 Tax-Aware Long-Short (TALS) SMA (such as AQR, Cache, Brooklyn, or Neuberger Berman), wants to calculate TALS carrying costs (manager fee + custodian margin and short rebate spreads), or checks 2026 Charles Schwab and Fidelity TALS account minimums and restrictions.
Original cost basis of the concentrated stock position in USD.
Current market value of the concentrated stock position in USD.
Custodian platform ('schwab', 'fidelity', or 'ibkr').
Margin account type ('portfolio' for Portfolio Margin or 'reg_t' for Reg T Margin).
Number of tax years over which to stage a direct taxable sale.
TALS long/short extension ratio: 0.3 (130/30), 0.5 (150/50), 1.0 (200/100), or 2.0 (300/200).
Comparison time horizon in years.
Pick your client. Values in capitals, like YOUR_TOKEN, are yours to fill in.
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Use this tool whenever an investor or advisor asks how to diversify a concentrated low-basis stock position, evaluates a 130/30, 150/50, 200/100, or 300/200 Tax-Aware Long-Short (TALS) SMA (such as AQR, Cache, Brooklyn, or Neuberger Berman), wants to calculate TALS carrying costs (manager fee + custodian margin and short rebate spreads), or checks 2026 Charles Schwab and Fidelity TALS account minimums and restrictions.
| Argument | Type | Description |
|---|---|---|
| costBasis* | number | Original cost basis of the concentrated stock position in USD. |
| custodian | string | Custodian platform ('schwab', 'fidelity', or 'ibkr'). |
| marginType | string | Margin account type ('portfolio' for Portfolio Margin or 'reg_t' for Reg T Margin). |
| stockValue* | number | Current market value of the concentrated stock position in USD. |
| stagedYears | integer | Number of tax years over which to stage a direct taxable sale. |
| extensionPct | number | TALS long/short extension ratio: 0.3 (130/30), 0.5 (150/50), 1.0 (200/100), or 2.0 (300/200). |
| horizonYears | integer | Comparison time horizon in years. |
{
"type": "object",
"required": [
"stockValue",
"costBasis"
],
"properties": {
"costBasis": {
"type": "number",
"default": 100000,
"minimum": 0,
"description": "Original cost basis of the concentrated stock position in USD."
},
"custodian": {
"enum": [
"schwab",
"fidelity",
"ibkr"
],
"type": "string",
"default": "schwab",
"description": "Custodian platform ('schwab', 'fidelity', or 'ibkr')."
},
"marginType": {
"enum": [
"portfolio",
"reg_t"
],
"type": "string",
"default": "portfolio",
"description": "Margin account type ('portfolio' for Portfolio Margin or 'reg_t' for Reg T Margin)."
},
"stockValue": {
"type": "number",
"default": 2000000,
"minimum": 10000,
"description": "Current market value of the concentrated stock position in USD."
},
"stagedYears": {
"type": "integer",
"default": 3,
"maximum": 10,
"minimum": 1,
"description": "Number of tax years over which to stage a direct taxable sale."
},
"extensionPct": {
"enum": [
0.3,
0.5,
1,
2
],
"type": "number",
"default": 1,
"description": "TALS long/short extension ratio: 0.3 (130/30), 0.5 (150/50), 1.0 (200/100), or 2.0 (300/200)."
},
"horizonYears": {
"type": "integer",
"default": 10,
"maximum": 25,
"minimum": 3,
"description": "Comparison time horizon in years."
}
}
}Use this tool whenever a user asks about federal or state estate taxes, the 2026 $15,000,000 Single / $30,000,000 Married OBBBA estate tax exemption, whether to gift appreciated stock/real estate during life (IRC Sec. 1015 carryover basis) vs. holding in a Revocable Living Trust until death for the IRC Sec. 1014 step-up in basis, Irrevocable Grantor Trusts / SLATs under IRS Revenue Ruling 2023-2 and Sec. 675(4)(C) swap powers, or state estate tax cliffs (NY, MA, WA, OR, IL, MD, MN, CT).
| Argument | Type | Description |
|---|---|---|
| year | integer | Exemption year (2025 $13.99M, 2026 $15.0M OBBBA, or 2027 $15.45M Projected). |
| filing | string | 'mfj' for Married Couple (with DSUE Portability) or 'single' for Single/Widowed. |
| stateCode | string | State estate tax jurisdiction code. |
| horizonYears | integer | Projected years until estate transfer. |
| assetCostBasis | number | Original cost basis of the appreciated assets in USD. |
| totalEstateNow* | number | Total current net worth / gross estate in USD. |
| appreciatedAssetValue* | number |
Use this tool whenever a user asks to calculate their Required Minimum Distribution (RMD) for 2025, 2026, or 2027, Inherited IRA 10-year withdrawal schedule under Final Regulations T.D. 10001, Surviving Spouse IRA options and the Widow's Penalty tax jump, Qualified Charitable Distribution (QCD) tax savings, or SECURE 2.0 Sec. 302 missed-RMD penalty waivers (25% vs. 10% vs. Form 5329 RC waiver).
| Argument | Type | Description |
|---|---|---|
| year | integer | Distribution calendar year (2025, 2026, or 2027). |
| filing | string | Federal tax filing status (single, mfj, mfs, or hoh). |
| balance* | number | Prior December 31 retirement account balance in USD (Form 5498 FMV). |
| qcdAmount | number | Qualified Charitable Distribution (QCD) amount in USD transferred directly from IRA to charity (IRC Sec. 408(d)(8)). |
| ssBenefits | number | Annual gross Social Security benefits in USD. |
| otherIncome | number | Other non-RMD ordinary taxable income in USD before Social Security. |
| stateRatePct | number | State income tax rate percentage (e.g. 9.3 for California, 0 for Texas/Florida). |
Use this tool whenever a user asks how much to convert from a Traditional/Rollover IRA to a Roth IRA, how to avoid crossing the next federal tax bracket or Medicare IRMAA cliff, how the IRC Sec. 408(d)(2) Pro-Rata rule affects a Backdoor Roth IRA, or how to model a $72,000 Mega Backdoor Roth 401(k) conversion.
| Argument | Type | Description |
|---|---|---|
| age | integer | Current age of the taxpayer (triggers Medicare IRMAA lookback at 63+ and OBBBA Senior Deduction at 65+). |
| filing | string | Federal tax filing status (single, mfj, mfs, or hoh). |
| income* | number | Baseline household income (MAGI) in USD before the Roth conversion. |
| iraBasis | number | Existing non-deductible after-tax basis in Traditional IRAs reported on IRS Form 8606 in USD. |
| pretaxIra | number | Total pre-tax balance across all Traditional, Rollover, SEP, and SIMPLE IRAs in USD. |
| stateRatePct | number | State income tax rate percentage. |
| convertAmount* | number | Proposed dollar amount in USD to convert to a Roth IRA this year. |
Use this tool whenever a user asks about the IRS Form 8880 Retirement Savings Contributions Credit (Saver's Credit under IRC Sec. 25B), the new 2027 SECURE 2.0 50% Federal Treasury Saver's Match direct deposit (IRC Sec. 6433), the Form 8880 Line 4 prior-distribution reduction rule, or how lowering AGI via pre-tax 401(k)/IRA deductions unlocks the credit/match.
| Argument | Type | Description |
|---|---|---|
| age | integer | Taxpayer age (must be 18+ to qualify). |
| year | integer | Tax year (2025, 2026 for Form 8880, or 2027 for SECURE 2.0 50% Saver's Match). |
| filing | string | Federal tax filing status. |
| grossIncome* | number | Gross income in USD before pre-tax 401(k)/IRA deductions. |
| yourContribution* | number | Taxpayer's annual IRA or 401(k) contribution in USD (first $2,000 counts). |
| spouseContribution | number | Spouse's annual IRA or 401(k) contribution in USD if Married Filing Jointly (first $2,000 counts). |
| preTax401kOrIraDeduction | number | Pre-tax 401(k), Solo 401(k), SEP, Traditional IRA, or HSA deductions reducing AGI in USD. |
Use this tool whenever a user needs cash liquidity (for a real estate purchase bridge, tax bill, tuition, or business investment) and asks whether they should sell appreciated stocks/ETFs (paying capital gains tax gross-up) or borrow against their portfolio using a Securities-Backed Line of Credit (SBLOC), Schwab Pledged Asset Line (PAL), or margin loan. Computes the tax gross-up penalty, break-even borrowing interest rate, IRC Sec. 163(d) Form 4952 interest deduction, and LTV market-crash margin call buffer.
| Argument | Type | Description |
|---|---|---|
| loanYears | integer | Number of years the bridge loan / SBLOC will remain outstanding. |
| sblocRate | number | Annual SBLOC / Pledged Asset Line interest rate percentage (e.g. 6.25). |
| marketReturn | number | Expected annual portfolio return percentage while invested. |
| portfolioValue* | number | Total taxable brokerage portfolio market value in USD. |
| liquidityNeeded* | number | Net after-tax cash liquidity required in USD. |
| interestDeductible | boolean | True if loan proceeds are traced to a taxable investment or business purpose eligible for IRC Sec. 163(d) Form 4952 deduction. |
Use this tool whenever a self-employed business owner, freelancer, 1099 contractor, LLC, or S-Corporation owner asks to compare a Solo 401(k) against a SEP IRA, calculate maximum 2026 employee + employer contributions ($72,000 base / $80,000 age 50+ / $83,250 ages 60-63), solve for the lowest S-Corp W-2 salary that maxes out retirement contributions ($190,000 vs. $288,000), or evaluate Sec. 199A QBI deduction and Backdoor Roth Reverse Rollover effects.
| Argument | Type | Description |
|---|---|---|
| age | integer | Business owner's age (unlocks $8,000 catch-up at 50+ and $11,250 super catch-up at ages 60-63). |
| comp* | number | Annual S-Corp W-2 salary or Schedule C net business profit in USD. |
| entity | string | Business entity structure: 'scorp' (W-2 wages) or 'soleprop' (Schedule C net self-employment profit). |
| filing | string | Federal tax filing status. |
| k1Dist | number | Additional S-Corp K-1 shareholder distribution in USD (for S-Corp QBI modeling). |
| existingIraBalance | number | Existing pre-tax Traditional/SEP IRA balance in USD (for Backdoor Roth Reverse Rollover check). |
Use this tool whenever a user asks for official 2025, 2026, or projected 2027 IRS tax brackets, standard deduction amounts, the $6,000 OBBBA Sec. 70103 Senior Deduction phase-out, 401(k)/Solo 401(k)/SEP/IRA contribution and catch-up limits (including ages 60-63 SECURE 2.0 super catch-up), Medicare Part B and Part D IRMAA income brackets and surcharges, Qualified Charitable Distribution (QCD) caps, QLAC limits, RMD Uniform Lifetime Table III factors, or Form 8880 / 2027 Saver's Match thresholds.
| Argument | Type | Description |
|---|---|---|
| taxYear* | integer | Tax year to retrieve statutory IRS, CMS Medicare IRMAA, and SECURE 2.0 parameters for (2025 Official, 2026 Official, or 2027 Projected). |
{
"type": "object",
"required": [
"taxYear"
],
"properties": {
"taxYear": {
"enum": [
2025,
2026,
2027
],
"type": "integer",
"default": 2026,
"description": "Tax year to retrieve statutory IRS, CMS Medicare IRMAA, and SECURE 2.0 parameters for (2025 Official, 2026 Official, or 2027 Projected)."
}
}
}Use this tool whenever a user asks for a complete 2025, 2026, or 2027 Form 1040 federal tax return estimate, how much room they have left in their current marginal tax bracket, how much Long-Term Capital Gains they can harvest at 0% federal tax, whether they will breach the 2026 ACA 400% FPL health insurance subsidy cliff (Form 8962), or how Social Security taxation (Line 6b), the OBBBA Schedule 1-A Senior Deduction (Line 13a), and Form 8995 QBI (Line 13b) flow through Form 1040.
| Argument | Type | Description |
|---|---|---|
| year | integer | Tax year to simulate (2025, 2026, or 2027). |
| filing* | string | Federal tax filing status (single, mfj, hoh, or mfs). |
| netLtcg | number | Form 1040 Line 7a Net Long-Term Capital Gain in USD. |
| w2Wages | number | Form 1040 Line 1a W-2 wages in USD. |
| seniors65Plus | integer | Number of taxpayers on the return age 65 or older (0, 1, or 2). |
| rothConversions | number | Form 1040 Line 4b Taxable Roth conversions in USD. |
| iraDistributions | number | Form 1040 Line 4b Taxable IRA, 401(k), or RMD distributions in USD. |
We read every tool's name, description and inputs the way the model will, looking for instructions hidden from you. A clean result means no warning signs, not a guarantee. Scanned Nov 3, 2026.
| Current market value of appreciated taxable assets (stocks, ETFs, real estate) in USD. |
{
"type": "object",
"required": [
"totalEstateNow",
"appreciatedAssetValue"
],
"properties": {
"year": {
"enum": [
2025,
2026,
2027
],
"type": "integer",
"default": 2026,
"description": "Exemption year (2025 $13.99M, 2026 $15.0M OBBBA, or 2027 $15.45M Projected)."
},
"filing": {
"enum": [
"single",
"mfj"
],
"type": "string",
"default": "mfj",
"description": "'mfj' for Married Couple (with DSUE Portability) or 'single' for Single/Widowed."
},
"stateCode": {
"enum": [
"NONE",
"NY",
"MA",
"OR",
"WA",
"IL",
"MD",
"MN",
"CT"
],
"type": "string",
"default": "NONE",
"description": "State estate tax jurisdiction code."
},
"horizonYears": {
"type": "integer",
"default": 15,
"maximum": 40,
"minimum": 1,
"description": "Projected years until estate transfer."
},
"assetCostBasis": {
"type": "number",
"default": 250000,
"minimum": 0,
"description": "Original cost basis of the appreciated assets in USD."
},
"totalEstateNow": {
"type": "number",
"default": 6000000,
"minimum": 0,
"description": "Total current net worth / gross estate in USD."
},
"appreciatedAssetValue": {
"type": "number",
"default": 2500000,
"minimum": 0,
"description": "Current market value of appreciated taxable assets (stocks, ETFs, real estate) in USD."
}
}
}| ownerBirthYear* | integer | Account owner's 4-digit birth year (determines Applicable RMD Age: 70.5, 72, 73, or 75). |
| spouseBirthYear | integer | Spouse's 4-digit birth year (triggers Joint Table II if sole beneficiary and >10 years younger). |
{
"type": "object",
"required": [
"balance",
"ownerBirthYear"
],
"properties": {
"year": {
"enum": [
2025,
2026,
2027
],
"type": "integer",
"default": 2026,
"description": "Distribution calendar year (2025, 2026, or 2027)."
},
"filing": {
"enum": [
"single",
"mfj",
"mfs",
"hoh"
],
"type": "string",
"default": "mfj",
"description": "Federal tax filing status (single, mfj, mfs, or hoh)."
},
"balance": {
"type": "number",
"default": 1000000,
"minimum": 0,
"description": "Prior December 31 retirement account balance in USD (Form 5498 FMV)."
},
"qcdAmount": {
"type": "number",
"default": 0,
"minimum": 0,
"description": "Qualified Charitable Distribution (QCD) amount in USD transferred directly from IRA to charity (IRC Sec. 408(d)(8))."
},
"ssBenefits": {
"type": "number",
"default": 40000,
"minimum": 0,
"description": "Annual gross Social Security benefits in USD."
},
"otherIncome": {
"type": "number",
"default": 60000,
"minimum": 0,
"description": "Other non-RMD ordinary taxable income in USD before Social Security."
},
"stateRatePct": {
"type": "number",
"default": 9.3,
"maximum": 15,
"minimum": 0,
"description": "State income tax rate percentage (e.g. 9.3 for California, 0 for Texas/Florida)."
},
"ownerBirthYear": {
"type": "integer",
"default": 1952,
"maximum": 2000,
"minimum": 1920,
"description": "Account owner's 4-digit birth year (determines Applicable RMD Age: 70.5, 72, 73, or 75)."
},
"spouseBirthYear": {
"type": "integer",
"default": 1954,
"maximum": 2005,
"minimum": 1920,
"description": "Spouse's 4-digit birth year (triggers Joint Table II if sole beneficiary and >10 years younger)."
}
}
}{
"type": "object",
"required": [
"income",
"convertAmount"
],
"properties": {
"age": {
"type": "integer",
"default": 58,
"maximum": 100,
"minimum": 18,
"description": "Current age of the taxpayer (triggers Medicare IRMAA lookback at 63+ and OBBBA Senior Deduction at 65+)."
},
"filing": {
"enum": [
"single",
"mfj",
"mfs",
"hoh"
],
"type": "string",
"default": "mfj",
"description": "Federal tax filing status (single, mfj, mfs, or hoh)."
},
"income": {
"type": "number",
"default": 180000,
"minimum": 0,
"description": "Baseline household income (MAGI) in USD before the Roth conversion."
},
"iraBasis": {
"type": "number",
"default": 0,
"minimum": 0,
"description": "Existing non-deductible after-tax basis in Traditional IRAs reported on IRS Form 8606 in USD."
},
"pretaxIra": {
"type": "number",
"default": 300000,
"minimum": 0,
"description": "Total pre-tax balance across all Traditional, Rollover, SEP, and SIMPLE IRAs in USD."
},
"stateRatePct": {
"type": "number",
"default": 9.3,
"maximum": 15,
"minimum": 0,
"description": "State income tax rate percentage."
},
"convertAmount": {
"type": "number",
"default": 50000,
"minimum": 0,
"description": "Proposed dollar amount in USD to convert to a Roth IRA this year."
}
}
}| testingPeriodDistributions | number | Retirement distributions taken during the Form 8880 Line 4 testing period in USD. |
{
"type": "object",
"required": [
"grossIncome",
"yourContribution"
],
"properties": {
"age": {
"type": "integer",
"default": 23,
"maximum": 95,
"minimum": 16,
"description": "Taxpayer age (must be 18+ to qualify)."
},
"year": {
"enum": [
2025,
2026,
2027
],
"type": "integer",
"default": 2026,
"description": "Tax year (2025, 2026 for Form 8880, or 2027 for SECURE 2.0 50% Saver's Match)."
},
"filing": {
"enum": [
"single",
"mfj",
"hoh",
"mfs"
],
"type": "string",
"default": "single",
"description": "Federal tax filing status."
},
"grossIncome": {
"type": "number",
"default": 22000,
"minimum": 0,
"description": "Gross income in USD before pre-tax 401(k)/IRA deductions."
},
"yourContribution": {
"type": "number",
"default": 2000,
"minimum": 0,
"description": "Taxpayer's annual IRA or 401(k) contribution in USD (first $2,000 counts)."
},
"spouseContribution": {
"type": "number",
"default": 0,
"minimum": 0,
"description": "Spouse's annual IRA or 401(k) contribution in USD if Married Filing Jointly (first $2,000 counts)."
},
"preTax401kOrIraDeduction": {
"type": "number",
"default": 0,
"minimum": 0,
"description": "Pre-tax 401(k), Solo 401(k), SEP, Traditional IRA, or HSA deductions reducing AGI in USD."
},
"testingPeriodDistributions": {
"type": "number",
"default": 0,
"minimum": 0,
"description": "Retirement distributions taken during the Form 8880 Line 4 testing period in USD."
}
}
}| portfolioCostBasis | number | Total original cost basis of the taxable portfolio in USD. |
{
"type": "object",
"required": [
"portfolioValue",
"liquidityNeeded"
],
"properties": {
"loanYears": {
"type": "integer",
"default": 3,
"maximum": 15,
"minimum": 1,
"description": "Number of years the bridge loan / SBLOC will remain outstanding."
},
"sblocRate": {
"type": "number",
"default": 6.25,
"maximum": 18,
"minimum": 0,
"description": "Annual SBLOC / Pledged Asset Line interest rate percentage (e.g. 6.25)."
},
"marketReturn": {
"type": "number",
"default": 7.5,
"maximum": 15,
"minimum": 0,
"description": "Expected annual portfolio return percentage while invested."
},
"portfolioValue": {
"type": "number",
"default": 2000000,
"minimum": 50000,
"description": "Total taxable brokerage portfolio market value in USD."
},
"liquidityNeeded": {
"type": "number",
"default": 400000,
"minimum": 10000,
"description": "Net after-tax cash liquidity required in USD."
},
"interestDeductible": {
"type": "boolean",
"default": false,
"description": "True if loan proceeds are traced to a taxable investment or business purpose eligible for IRC Sec. 163(d) Form 4952 deduction."
},
"portfolioCostBasis": {
"type": "number",
"default": 400000,
"minimum": 0,
"description": "Total original cost basis of the taxable portfolio in USD."
}
}
}{
"type": "object",
"required": [
"comp"
],
"properties": {
"age": {
"type": "integer",
"default": 45,
"maximum": 100,
"minimum": 18,
"description": "Business owner's age (unlocks $8,000 catch-up at 50+ and $11,250 super catch-up at ages 60-63)."
},
"comp": {
"type": "number",
"default": 150000,
"minimum": 0,
"description": "Annual S-Corp W-2 salary or Schedule C net business profit in USD."
},
"entity": {
"enum": [
"scorp",
"soleprop"
],
"type": "string",
"default": "scorp",
"description": "Business entity structure: 'scorp' (W-2 wages) or 'soleprop' (Schedule C net self-employment profit)."
},
"filing": {
"enum": [
"single",
"mfj",
"mfs",
"hoh"
],
"type": "string",
"default": "mfj",
"description": "Federal tax filing status."
},
"k1Dist": {
"type": "number",
"default": 100000,
"minimum": 0,
"description": "Additional S-Corp K-1 shareholder distribution in USD (for S-Corp QBI modeling)."
},
"existingIraBalance": {
"type": "number",
"default": 0,
"minimum": 0,
"description": "Existing pre-tax Traditional/SEP IRA balance in USD (for Backdoor Roth Reverse Rollover check)."
}
}
}| qualifiedDividends | number | Form 1040 Line 3a Qualified Dividends in USD. |
{
"type": "object",
"required": [
"filing"
],
"properties": {
"year": {
"enum": [
2025,
2026,
2027
],
"type": "integer",
"default": 2026,
"description": "Tax year to simulate (2025, 2026, or 2027)."
},
"filing": {
"enum": [
"single",
"mfj",
"hoh",
"mfs"
],
"type": "string",
"default": "mfj",
"description": "Federal tax filing status (single, mfj, hoh, or mfs)."
},
"netLtcg": {
"type": "number",
"default": 42000,
"description": "Form 1040 Line 7a Net Long-Term Capital Gain in USD."
},
"w2Wages": {
"type": "number",
"default": 0,
"minimum": 0,
"description": "Form 1040 Line 1a W-2 wages in USD."
},
"seniors65Plus": {
"type": "integer",
"default": 0,
"maximum": 2,
"minimum": 0,
"description": "Number of taxpayers on the return age 65 or older (0, 1, or 2)."
},
"rothConversions": {
"type": "number",
"default": 20000,
"minimum": 0,
"description": "Form 1040 Line 4b Taxable Roth conversions in USD."
},
"iraDistributions": {
"type": "number",
"default": 0,
"minimum": 0,
"description": "Form 1040 Line 4b Taxable IRA, 401(k), or RMD distributions in USD."
},
"qualifiedDividends": {
"type": "number",
"default": 12000,
"minimum": 0,
"description": "Form 1040 Line 3a Qualified Dividends in USD."
}
}
}