Retirement EKG Planner | Income Tax, Medicare IRMAA, Social Security Calculator Offline HTML App.

See whether your retirement income and savings may last with this interactive retirement calculator. Enter your Social Security, pension, expenses, investments, Traditional IRA and Roth IRA balances to generate year-by-year projections, estimated taxes, Medicare IRMAA exposure and potential income gaps.

Product format: Downloadable offline HTML app
Works with: Modern browsers on Windows and Mac
Login required: No
Subscription required: No
Internet required: No, after downloading
Physical product: None—this is a digital download

Retirement EKG is a single-file, offline HTML app that models your retirement year by year: Social Security and pension income, taxable/IRA/Roth withdrawals, federal and all-50-state tax estimates, and Medicare Part B IRMAA — all updating live as you edit your numbers.

Built for pre-retirees and early retirees who want more than a static spreadsheet. Instead of guessing how withdrawals, taxes, and Medicare premiums interact, this planner runs the full projection for you — from your current age through the age you choose — and flags any year your plan comes up short.

What's Included

✓ Retirement_EKG.html — your personal blank template ✓ Sample-data version so you can see it fully populated first ✓ Lifetime access — download once, use forever

Key Features

✓ Age-by-age portfolio projection with a live chart (Total, Roth, Traditional IRA, Taxable) ✓ Editable 2026 federal tax brackets (Single, HOH, MFJ), a detailed California estimate, and a simplified, overridable tax estimate for all other 49 states + DC ✓ Medicare Part B / IRMAA modeling with the real 2-year income lookback ✓ Choose your own withdrawal order (Taxable → IRA → Roth, or reorder to fit your strategy) ✓ Models one-time capital gains, Social Security COLA, and healthcare cost inflation ✓ Dark and light mode, with a Customize tab to rename the planner, pick an icon, and set your own accent color ✓ 100% private — every number stays in your browser, nothing is uploaded anywhere

Who It's For
Pre-retirees mapping out their income timeline before they stop working
Early retirees managing Traditional IRA vs. Roth withdrawal order
Couples coordinating Social Security timing and joint tax brackets
Anyone who wants to see Medicare IRMAA exposure before it happens
Fee-only DIYers who want a private, no-subscription planning tool

How It Works
Download — get your files instantly after purchase
Open in your browser — no install, no login, no software needed
Enter your numbers — income, assets, expenses, and see your full retirement projection appear immediately

This is a planning tool, not tax, investment, or Medicare advice. Federal and state tax calculations, Social Security taxation, Medicare IRMAA, and capital gains are intentionally simplified for planning purposes — state tax outside California uses a single flat-rate estimate that you can override. Please confirm major decisions with the IRS, your state's tax agency, Medicare/SSA, or a qualified professional. Works on desktop, laptop, tablet, and phone in any modern browser