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    Tax Bracket Estimator

    Plan your retirement tax picture.

    1. IRS withholding tool

    Free at irs.gov. Estimate withholding to avoid surprises.

    2. SmartAsset

    smartasset.com. Free tax bracket estimator.

    3. NerdWallet

    Free. Tax bracket plus deduction guides.

    4. Roth conversion

    Tax software shows if Roth conversion saves long term.

    5. RMDs

    Required Minimum Distributions kick in at 73. Plan tax bracket impact.

    6. State tax

    Don't forget state. Tools at your state's revenue site help.

    For complex retirement tax — talk to a CPA or fee-only financial advisor.