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Retirement Strategy Tool

Retirement Account Mortgage Payoff Calculator

2026 federal & state taxes · IRMAA as real cost · SS by year · Age-aware · Add years until goal reached · Pay off vs. invest · Bracket fill suggestions

TSP · 401(k) · 403(b) · IRA · 457(b) All 50 States + DC IRMAA Cost Included Bracket Fill Pay Off vs. Invest PDF Export
Personal profile & tax setup
Drives age-based rules: SS eligibility, IRMAA timing, early withdrawal penalty at 59½, RMD at 73
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All income except Social Security and retirement account withdrawals
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SS taxability only calculated in years when SS is active
Roth (after-tax) portion TAX FREE Roth contributions and earnings come out with no federal tax (age 59½+, account 5+ yrs)
I have outside health insurance — skip Medicare Disables all IRMAA calculations. For FEHB, TRICARE, VA, or employer coverage.
Currently on Medicare Part B/D IRMAA applies if MAGI exceeded thresholds 2 years prior. Shown as a real dollar cost.
Subject to RMDs (age 73+) Only amounts above your RMD are truly extra withdrawals for the mortgage.
2026 IRMAA Thresholds
MAGI (Single/MFJ)Part B/mo
<$106k/$212k$0
$106k–$133k / $212k–$266k+$74
$133k–$167k / $266k–$334k+$186
$167k–$200k / $334k–$400k+$298
$200k–$500k / $400k–$750k+$374
>$500k / >$750k+$411
Applies to MAGI 2 years prior. Also affects Part D.
Mortgage details
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Enter your real payment — overrides the calculated amount
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e.g. $50,000 if you want to stop there for credit/equity reasons
Enter mortgage details above.
%
yrs
yrs
Recast after each large payment Same term and rate, lower monthly payment on new balance.
Itemize mortgage interest deduction Only if interest + other deductions exceed standard deduction ($16,100 single / $32,200 MFJ).
Pay off vs. invest comparison

The guaranteed return of paying off your mortgage equals your interest rate — risk-free and tax-free. Adjust the assumed investment return to see how every rate scenario compares, including COVID-era low rates.

7.0%
3% Conservative7.5% Moderate12% Aggressive
After recast — payment strategy
Year-by-year payoff plan — gross withdrawal → tax → net to mortgage
Enter gross withdrawal each year — federal & state taxes are subtracted to show the net that actually reaches your mortgage. Use the bracket fill buttons inside each card to stay in your target tax bracket.
Enter withdrawal or payment amounts above to begin.
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