GITNUXSOFTWARE ADVICE
Finance Financial ServicesTop 10 Best Retirement Tax Planning Software of 2026
Ranking roundup of retirement tax planning software tools for retirement planning, including Holistiplan, RightCapital, and MoneyGuide, plus key tradeoffs.
How we ranked these tools
Vendors set the topic, but our editors set the inclusion criteria and the evaluation framework before research starts.
Search agents gather the source set and the review record, including transcriptions of video reviews and podcasts.
Framework: Features 40% · Ease 30% · Value 30%
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Holistiplan is the best pick if you run recurring, assumption-heavy retirement tax scenarios off client tax returns, whereas RightCapital fits teams that need repeatable, tax-aware projections with connected client data when you’re planning at scale.
Editor’s top 3 picks
Three quick recommendations before you dive into the full comparison below — each one leads on a different dimension.
Holistiplan
Conversion-first planning workflow recalculates downstream drawdown and tax impacts across the full retirement horizon.
Best for: Fits when advisors run recurring, assumption-heavy retirement tax scenarios with conversion-driven planning.
RightCapital
Editor pickMedicare IRMAA modeling embedded inside retirement projection scenarios for coordinated planning outputs.
Best for: Fits when advisor teams need repeatable tax-aware retirement projections with connected client data.
MoneyGuide
Editor pickScenario runs can be built from imported tax inputs, keeping future-year outputs tied to the same underlying assumptions.
Best for: Fits when advisory teams need repeatable retirement tax scenarios using imported client tax data.
Comparison Table
Holistiplan
vertical specialistTax planning software that analyzes client tax returns and models retirement tax strategies.
Conversion-first planning workflow recalculates downstream drawdown and tax impacts across the full retirement horizon.
Holistiplan’s core planning loop is assumption-driven and ties output behavior to tax treatment across retirement years. Roth conversion analysis is handled as a first-class workflow, with the tool recalculating downstream effects when conversion amounts, timing, or income inputs change. The retirement income tax projection output then feeds planning decisions across withdrawal sequencing and account drawdown strategy.
A key tradeoff is that deeper tax fidelity depends on having clean, consistently structured inputs for income timing and account balances. The strongest usage situation is an advisor-led annual or semiannual review where estimated tax payments and income assumptions shift and the client needs updated results quickly for the new tax picture.
- +Roth conversion analysis stays tightly coupled to multi-year projection outputs
- +Withdrawal sequencing changes propagate through tax outcomes across future years
- +Scenario analysis workflow supports iterative what-if planning cycles
- +Retirement tax logic is organized around advisor input checkpoints
- –Tax accuracy requires disciplined setup of income timing and account balances
- –Advanced tax scenario runs can feel slower with many iterations
- –Some planning assumptions need manual updates instead of automated imports
- –Built-in tax data import coverage may not fit every custodian workflow
Independent advisors
Run Roth conversion scenarios
Clear conversion timing guidance
Tax-focused planning teams
Update withdrawal sequencing strategy
Aligned sequencing and tax results
Show 2 more scenarios
Retiree casework coordinators
Refresh multi-year retirement tax projections
Repeatable annual planning updates
Re-run scenarios after income or account balance changes to keep projections current.
Client-facing planning desks
Compare alternative retirement paths
Better scenario decision support
Switch between competing assumptions and evaluate differences in projected tax load.
Best for: Fits when advisors run recurring, assumption-heavy retirement tax scenarios with conversion-driven planning.
RightCapital
enterpriseFinancial planning software with retirement projections, tax modeling, and Roth conversion analysis.
Medicare IRMAA modeling embedded inside retirement projection scenarios for coordinated planning outputs.
RightCapital is a strong fit for advisors who want a repeatable process for retirement income tax projection, not just a tax calculator. The tool centers on multi-scenario projections that connect contribution and withdrawal assumptions to downstream account and tax effects. It also includes planning for Social Security taxation and Medicare IRMAA modeling so mid-retirement changes can be reflected in the same planning view.
A practical tradeoff is that the planning results depend on data completeness from connected sources, so incomplete tax return and account feeds can lead to rework. RightCapital works best when client data is already available from custodians and tax documentation, and when the team uses consistent input conventions across annual planning cycles.
- +Guided tax-focused retirement scenarios with reusable planning outputs
- +Medicare IRMAA modeling and related client impacts in projection workflows
- +Workflow-driven handling of taxable account behavior and withdrawals
- +Client-data integrations reduce repeated manual input during reviews
- –Data feed gaps can force manual correction before projections are trusted
- –Scenario iteration can feel slow with large multi-account households
- –Advanced tax assumptions require careful attention to input conventions
- –Automation and API access are not the same emphasis as planning UX
Advisor teams
Annual retirement tax planning reviews
Faster consistent client meetings
High-net-worth advisors
Tax-aware withdrawal strategy design
More controlled retirement cash flow
Show 1 more scenario
Planner focusing on benefits
Social Security timing and tax effects
Clearer benefit timing decisions
Adjust benefit assumptions and see the effect on Social Security taxation across planning horizons.
Best for: Fits when advisor teams need repeatable tax-aware retirement projections with connected client data.
MoneyGuide
enterpriseRetirement planning software that models goals, income sources, withdrawals, and tax effects.
Scenario runs can be built from imported tax inputs, keeping future-year outputs tied to the same underlying assumptions.
MoneyGuide focuses on retirement income tax projection outputs tied to real planning inputs like account balances, contribution changes, and income assumptions. Roth conversion analysis and withdrawal sequencing flows are designed to run across multiple years so advisors can compare how changes propagate to later tax years. It also includes tax data import paths that reduce manual re-entry when clients already have prior-year tax information available.
A clear tradeoff is that deeper accuracy depends on clean source data during import and on careful mapping of accounts and tax assumptions. It fits best when an advisory office wants standardized scenario runs across a portfolio and needs repeatable configuration rather than ad hoc manual worksheets. A lighter fit appears when clients need only one-off projections with minimal data setup.
- +Roth conversion scenarios stay linked to multi-year tax outcomes
- +Tax data import reduces repeated manual assumption entry
- +Withdrawal sequencing comparisons update across future years automatically
- +Scenario runs support consistent assumption sets for client meetings
- –Accurate results depend on disciplined account mapping during setup
- –Workflow depth can require training for faster first-time use
RIA retirement tax planners
Compare Roth conversion timing
Clear conversion timing tradeoffs
Advisor teams with workflows
Update sequencing for multiple accounts
Aligned withdrawals and taxes
Show 1 more scenario
Tax-focused client management
Re-run plans after data refresh
Less rework between meetings
Import tax return data and re-run the same scenario structure with refreshed inputs.
Best for: Fits when advisory teams need repeatable retirement tax scenarios using imported client tax data.
eMoney
enterpriseFinancial planning software with retirement projections, tax analysis, and household cash-flow modeling.
Retirement planning workbooks coordinate accounts, assumptions, and tax outputs into reusable scenario deliverables.
eMoney is retirement tax planning software that focuses on income, account, and tax projection workflows inside an advisor planning environment. It supports retirement income tax projection style reporting alongside Roth conversion analysis and tax-aware withdrawal planning.
- +Roth conversion analysis output is integrated into multi-year retirement scenarios
- +Retirement income tax projection reporting supports ongoing iteration with client goals
- +Tax-aware withdrawal sequencing can be modeled alongside account-level assumptions
- +Planning deliverables are built around retirement workflows instead of standalone calculators
- –Tax-detail granularity can feel limited for edge cases like complex multi-state residency
- –Scenario changes can require disciplined assumption management to avoid conflicting inputs
Best for: Fits when advisors need retirement planning deliverables that include tax projections across multi-year scenarios.
RetireReady Solutions
vertical specialistRetirement planning software with tax-aware withdrawal modeling for advisors.
Withdrawal and conversion scenarios update one another inside a single multi-year retirement tax projection workflow.
RetireReady Solutions generates multi-year retirement tax projections that connect account withdrawals to estimated federal tax outcomes. The tool supports Roth conversion analysis, including how conversion timing affects tax bracket management and ongoing taxation of retirement income.
- +Retirement tax projection outputs link withdrawals to estimated tax outcomes
- +Roth conversion analysis supports timing comparisons across future years
- +Tax-lot accounting and basis tracking inputs support more precise capital gains
- +Scenario analysis fits multi-year retirement income planning workflows
- –Depth of state tax modeling is less transparent than federal projection coverage
- –File and import workflows can require consistent formatting discipline
Best for: Fits when advisors need repeatable multi-year tax projections with Roth timing and tax-lot based taxable drawdown.
Boldin
SMBConsumer financial planning software for retirement income, taxes, Roth conversions, and estate decisions.
Scenario management that keeps retirement planning assumptions aligned across multiple projections for the same household inputs.
Boldin targets retirement tax planning workflows that depend on scenario analysis and quantified cash flow and tax outcomes. The software focuses on tax-aware planning inputs such as withdrawals, Roth conversions, and account drawdowns, then produces projections that can be compared across cases.
- +Multi-year scenario comparisons for tax outcomes tied to retirement cash flows
- +Roth conversion and withdrawal assumptions are modeled in planning runs
- +Integrations support pulling in account and holding data for planning inputs
- +Planning workflow encourages consistent assumptions across repeat projections
- –State tax modeling depth can feel limited versus products with broader state rules
- –Complex tax-lot and basis tracking workflows may require more manual setup
- –Beneficiary distribution modeling coverage can be thinner than retirement niche tools
- –Automation and integration customization options can be constrained by the exposed API surface
Best for: Fits when advisors need repeatable multi-year retirement tax scenarios with consistent assumptions, not deep estate and beneficiary tax modeling.
MaxiFi
SMBPersonal financial planning software for lifetime income, retirement taxes, Social Security, and spending.
Multi-path scenario reruns that keep retirement withdrawals and conversions aligned across the same planning timeline.
MaxiFi focuses on retirement-specific tax planning with a workflow built around turning account data into tax projections for withdrawals, conversions, and withholding decisions. The core capability is scenario analysis that recalculates outcomes across multiple planning paths rather than producing a single static estimate.
- +Scenario analysis updates outputs across multiple retirement paths quickly
- +Tax return data import reduces manual entry for annual tax inputs
- +Withdrawal and conversion planning supports tax-aware multi-year projections
- +Account-level assumptions make it easier to test sequencing changes
- –Retirement tax bracket management coverage can lag behind specialist tax workflows
- –Integration depth depends on the quality of imported custodian exports
- –Automation around estimated tax payments can require more manual review
- –Beneficiary and inherited account tax modeling is limited versus dedicated tools
Best for: Fits when advisors need multi-year retirement tax projections with scenario recalculation from imported tax data.
FP Alpha
vertical specialistAdvisor software that analyzes tax, estate, insurance, and legal planning opportunities.
Workflow-driven tax-lot basis tracking feeds capital gains and sequencing decisions inside multi-year retirement projections.
FP Alpha focuses on retirement income tax projection workflows where planning output ties to tax-lot tracking and withdrawal sequencing. Core modeling covers Roth conversion analysis, Social Security taxation, and Medicare IRMAA modeling for multi-year scenarios.
- +Tax-lot accounting with basis tracking improves capital gains harvesting accuracy
- +Roth conversion analysis can be run across multi-year retirement scenarios
- +Form 1099-R import helps reduce manual transcription of taxable distributions
- +Withdrawal sequencing stays consistent across federal tax projection runs
- –Required setup for holdings and basis tracking can slow first-time modeling
- –State tax modeling coverage can be narrower than broader retirement suites
- –Scenario comparison output can require additional review outside the projections view
- –Complex pension and annuity taxation cases may need extra input to match reality
Best for: Fits when advisers want tax-lot accurate projections and scenario-based Roth and withdrawal sequencing for retirement income planning.
Income Solver
vertical specialistRetirement income planning tool with Social Security and Roth conversion optimization.
Roth conversion and retirement income tax results are tied to scenario year-to-year assumptions inside the same planning run.
Income Solver calculates retirement income tax projections from user inputs and account data, then generates scenario outputs for multi-year withdrawal plans. It provides tax-focused modeling workflows such as required minimum distribution calculation, Roth conversion analysis, and Social Security taxation.
- +Tax-first retirement projections convert cash flow assumptions into estimated federal taxes
- +Includes required minimum distribution calculations for tax-deferred account planning
- +Supports Roth conversion analysis with scenario comparisons across retirement years
- +Generates outputs suited for estimated tax payment planning during withdrawals
- –State tax modeling depth depends heavily on the input workflow and available data
- –Complex tax-lot and basis tracking workflows are not as detailed as dedicated tax accounting tools
Best for: Fits when advisors need repeatable retirement tax projection scenarios with RMD and Roth-focused planning outputs.
TaxPlanner Pro
SMBTax planning software for modeling projected tax liabilities and client planning scenarios.
Scenario-first planning workflow that keeps Roth conversion, distributions, and IRMAA impacts tied across future tax years.
TaxPlanner Pro centers retirement tax planning around rule-based calculation workflows that support multi-year tax forecasting and scenario analysis. The tool focuses on Roth conversion analysis, taxable and tax-deferred withdrawal planning, and common distribution planning inputs such as required minimum distribution calculation.
- +Multi-year scenario analysis for retirement income tax projection workflows
- +Roth conversion analysis and withdrawal sequencing inputs in one planning flow
- +Medicare IRMAA modeling to reflect marginal changes in retirement years
- +Tax logic designed around distribution planning and tax-lot style assumptions
- –Integration depth with custodian and Form 1099-R import is unclear without setup
- –State tax modeling breadth can require manual data entry to match reality
- –Beneficiary distribution modeling coverage is limited for complex inherited cases
- –Tax return data import paths can add friction compared with full automation
Best for: Fits when advisors need retirement tax forecasting with Roth conversion and IRMAA logic in repeatable scenarios.
Conclusion
After evaluating 10 retirement tax planning software, Holistiplan stands out as our overall top pick — it scored highest across our combined criteria of features, ease of use, and value, which is why it sits at #1 in the rankings above.
Use the comparison table and detailed reviews above to validate the fit against your own requirements before committing to a tool.
How to Choose the Right Retirement Tax Planning Software
What separates options for retirement tax planning software is how faithfully they model taxes across account types and time. We focus on inputs like data import accuracy, plus outputs you can reconcile, such as state tax handling and Roth conversion mechanics.
Tax model coverage across accounts
Why it matters
Retirement tax planning software needs tax model coverage that matches your real mix of taxable, tax-deferred, and Roth assets. Gaps here create plausible but wrong totals when withdrawals happen.
How to check
In the demo, set balances in each account type and choose a withdrawal year. Ask for a summary that shows which tax components drive the final total so you can compare against your expectations.
State tax handling granularity
Why it matters
State tax handling changes the decision thresholds, especially when your state treats income differently. Granularity matters when you plan year-by-year moves or job changes.
How to check
Run the same scenario with two states (or with and without state income). Confirm whether the software supports different tax rules by state and whether results update consistently by year.
Roth conversion assumptions control
Why it matters
Roth conversion assumptions control how much taxable income you create and how the plan treats partial conversions. If the controls are rigid, the plan can’t reflect your strategy.
How to check
Create a scenario that performs partial conversions across multiple years. Check whether you can specify conversion amount or target strategy and whether the output explains the resulting taxable income each year.
Withdrawal strategy logic
Why it matters
Withdrawal strategy logic affects sequencing and the resulting marginal brackets. In retirement tax planning software, small sequencing differences often shift the recommended timing.
How to check
Try two strategies that differ only by which account gets withdrawals first. Compare the year-by-year taxable income and total tax outputs to see if the software applies the logic consistently.
Data import and mapping accuracy
Why it matters
Data import and mapping accuracy prevents silent misclassification of accounts, income types, and cost basis inputs. When imports are off, the tax math looks detailed but doesn’t match your records.
How to check
Use a sample CSV (or upload your own export). Verify that account titles, fund types, and basis fields map correctly, then audit a few computed lines against your source statements.
Audit trail and tax output explainability
Why it matters
Audit trail and tax output explainability are what let you trust outcomes when figures change. We look for a trace from inputs to tax results, not just a single total.
How to check
In the output view, select a year and click through to the underlying tax components. Ask for an export of the calculations or a report you can reconcile with your own spreadsheet.
Red flags
- Roth conversions and withdrawals change totals without showing which inputs drove taxable income.
- State results stay identical across states or can’t be configured year-by-year.
- Imported account or basis fields don’t map clearly, making outputs hard to audit.
Fit by situation
- If you’re planning across taxable and Roth money, prioritize Tax model coverage across accounts.
- If your retirement plan depends on where you’ll live, prioritize State tax handling granularity.
- If you’re running multi-year Roth conversion moves, prioritize Roth conversion assumptions control.
Frequently Asked Questions About Retirement Tax Planning Software
How do Holistiplan and RightCapital handle Roth conversion analysis across multi-year scenarios?
Which tool connects retirement planning projections to imported tax form data for repeatable runs?
When advisors need Medicare IRMAA modeling inside retirement projections, how does RightCapital compare to TaxPlanner Pro?
What breaks if a workflow needs tax-lot basis tracking for taxable capital gains decisions rather than only cash flow projections?
How do scenario management capabilities differ between Boldin and RetireReady Solutions during assumption updates?
Which integrations and data flows matter most for getting planning inputs without manual re-entry in these tools?
How does MoneyGuide keep future-year outputs tied to the same imported assumptions after reruns?
When required minimum distribution logic must drive tax outcomes, how do Income Solver and Income Solver compare to the rest of the list?
What admin controls or governance features should be validated for advisor teams using audit-heavy client workflows?
Tools reviewed
Primary sources checked during evaluation.
Referenced in the comparison table and product reviews above.
Funding and competing interests
This study was co-funded by several of the vendors assessed in it. No single vendor funded it. Funders could propose the market studied.
They had no role in selecting vendors, setting or weighting criteria, analysing data or drawing conclusions, and they received the same factual-accuracy check as every other vendor assessed.
Market definition, inclusion rules and criteria weights were fixed by an editor before research began and did not change afterwards. Editorial process →
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