get_irs_statutory_parameters
Get 2025-2027 IRS Tax Brackets, Medicare IRMAA Tiers, 401(k)/IRA Limits & OBBBA Senior Deduction
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.
ParameterstaxYearrequired
calculate_rmd_and_tax_cliffs
Calculate Required Minimum Distributions (RMD), Inherited IRA 10-Year Rule & Surviving Spouse Widow's Penalty
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).
ParametersyearfilingbalancerequiredqcdAmountssBenefitsotherIncomestateRatePctownerBirthYearrequiredspouseBirthYear
calculate_roth_conversion
Calculate Roth Conversion Tax Cost, Backdoor Roth Pro-Rata & IRMAA / Bracket Cliff Ceilings
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.
ParametersagefilingincomerequirediraBasispretaxIrastateRatePctconvertAmountrequired
compare_solo_401k_vs_sep_ira
Compare Solo 401(k) vs. SEP IRA Contribution Limits & Solve Optimal S-Corp W-2 Salary
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.
Parametersagecomprequiredentityfilingk1DistexistingIraBalance
simulate_form_1040_and_bracket_room
Simulate 2026 Federal Form 1040 Return (Lines 1a-38), Remaining Bracket Room & ACA / 0% LTCG Ceilings
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.
ParametersyearfilingrequirednetLtcgw2Wagesseniors65PlusrothConversionsiraDistributionsqualifiedDividends
analyze_concentrated_stock_tals
Analyze Concentrated Stock Exit: Tax-Aware Long-Short (TALS) vs. Direct Indexing & Staged ETF Sale
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.
ParameterscostBasisrequiredcustodianmarginTypestockValuerequiredstagedYearsextensionPcthorizonYears
calculate_savers_credit_and_2027_match
Calculate IRS Form 8880 Saver's Credit (2025-2026) & SECURE 2.0 50% Treasury Saver's Match (2027+)
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.
ParametersageyearfilinggrossIncomerequiredyourContributionrequiredspouseContributionpreTax401kOrIraDeductiontestingPeriodDistributions
analyze_estate_tax_and_stepup
Analyze Estate Tax, Revocable Trust Step-Up in Basis (IRC Sec. 1014) vs. Lifetime Gifting (Sec. 1015)
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).
ParametersyearfilingstateCodehorizonYearsassetCostBasistotalEstateNowrequiredappreciatedAssetValuerequired
compare_sbloc_borrow_vs_sell
Compare Selling Appreciated Investments vs. Borrowing via SBLOC / Pledged Asset Line
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.
ParametersloanYearssblocRatemarketReturnportfolioValuerequiredliquidityNeededrequiredinterestDeductibleportfolioCostBasis