Pricing
Current numbers. Every year.
IRMAA brackets change every November when CMS publishes new data. ACA FPL thresholds update every January. The OBBBA senior deduction phases out on a schedule that may change legislatively. CliffEdge updates every data table within 48 hours of each CMS or IRS release — your subscription keeps you on current numbers, not last year's. A one-time tool that hasn't updated since November is showing you stale IRMAA brackets.
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Where your cliffs are this year
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- Every cliff that applies to you: ACA subsidy, IRMAA, NIIT, senior deduction, Social Security torpedo, capital gains stacking, and the Widow Penalty
- How much room you have before each one, what crossing costs, and a slider to test any conversion amount against all seven at once
- The arithmetic behind every number, with the IRS or CMS citation it came from
- IRMAA for all three lookback years, so you can see which year's income sets which premium
- SSA-44 workflow, step by step, for reducing an IRMAA surcharge after a death or a retirement
- Send your full scenario to your spouse or CPA with one link
- CPA-grade PDF of your complete analysis (free account required)
The full calculator, free. No account, no card, and no data ever leaves your browser.
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Individual
Stay off them for the next decade
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Tax tables change every November. Yours update the day they publish.
Everything in Free, plus:
- Roth Conversion Ladder — plan conversions across five to ten years, then track what you actually converted against the plan, year by year
- Cliff Projection Timeline — which cliffs you cross in each future year, not just this one
- RMD Forward Projection — what your required withdrawals will be once they start, and the IRMAA tier they land you in
- Saved scenarios — your prior years kept so you can compare