See where your income sits relative to every important federal tax threshold. IRMAA, NIIT, Additional Medicare, QBI, Roth IRA, Child Tax Credit, ACA subsidies, and federal brackets — all visualized at once.
The U.S. tax code contains dozens of income thresholds where small changes in income produce outsized changes in tax cost. Crossing the NIIT threshold adds 3.8% on investment income. Crossing an IRMAA tier adds $876-$5,328 per person per year to Medicare premiums. Crossing the QBI SSTB phase-out can eliminate a $50,000+ deduction entirely. Losing Roth IRA eligibility forces the Backdoor Roth detour.
This map shows your position relative to every major federal income threshold for 2026. Cliffs within $10,000 of your current income are flagged — these are the ones where a small income change might trigger a disproportionate tax consequence. Cliffs you've recently crossed are also shown so you can verify the cost.
Use this when planning Roth conversions (avoid crossing IRMAA tiers), evaluating end-of-year bonus timing (don't cross into the next bracket if avoidable), structuring retirement income (manage MAGI for ACA subsidies), or considering a one-time income event like a stock sale.
All data comes from 2026 IRS publications, the Inflation Reduction Act, OBBBA, and Social Security Administration. Thresholds for SS taxation, NIIT, and Additional Medicare have NOT been indexed for inflation — they catch a growing percentage of taxpayers each year.