Retirement tax planning
Roth conversions, capital gains, withdrawal order, ACA subsidies, and IRMAA — modeled as one problem.
Cloudbreak is the first consumer tool that jointly optimizes all five — because in real retirements they interact. Compare scenarios and see the projected difference in lifetime taxes, with every calculation shown.
Starts as simple as a 5-input retirement calculator. Advanced features reveal as you need them.
Cloudbreak is an educational modeling tool, not a financial advisor. It shows what the math says about your scenarios — every assumption visible, every formula inspectable — and you decide.
One decision changes five numbers. See all five.
Model a conversion, a sale, or a claiming age — the projection updates taxes, subsidies, and surcharges together, year by year.
Real product capture to be supplied — no invented numbers.
Three ways to check the math
Deterministic projection, Monte Carlo simulation, and historical backtesting — cross-check any scenario three ways.
Full percentile ranges
Monte Carlo results report the 10th–90th percentile range, not a single success number.
Social Security, all 81 combinations
Claiming analysis across every claiming-age combination for couples, integrated with the tax optimization.
Federal + all-state taxes
Tax modeling for all 50 states plus DC, alongside the federal code.
Built for couples
Two-person modeling from day one, including survivor scenarios.
Simple until it isn't
Start as simple as a five-input retirement calculator. Depth reveals progressively as your questions get harder.
Privacy
Your data stays yours.
Calculations run in your browser. Your plans save on your device and back up automatically to your account, so a lost laptop doesn’t mean a lost plan — and one control deletes everything, on the device and in the cloud. No signup, no email to start; nothing is sold, and there are no ad or analytics trackers.
How your data is handled — the privacy policy →- calculationsyour browser
- signup to startnone
- cloud backupautomatic, deletable
Free to start.
No account, no email. Paid plans add depth when your questions do.
Standard $99 · Optimizer $149 · Household $179 — full planning depth, the unified tax optimizer, and couples collaboration.
Compare plans belowCheck our work. All of it.
Every assumption is visible, every formula is inspectable, and every intermediate result is shown. The methodology page documents how each projection is built — read it before you enter a single number.
Read the methodology →- assumptions → visible, editable
- formulas → inspectable
- intermediate results → shown