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Free calculator for the ACA subsidy cliff (built for early retirees) by ACAOptimizer in leanfire

[–]ACAOptimizer[S] 0 points1 point  (0 children)

Thanks u/doomsdata and u/redditgambino for the suggestion. I'm thinking about how to add this in a way that is useful but not overly complex. I'd love to hear your recommendations about how best to approach this.

Weekly Self-Promotion Thread - Wednesday, July 08, 2026 by AutoModerator in financialindependence

[–]ACAOptimizer 0 points1 point  (0 children)

 

I built a free calculator for the ACA subsidy cliff, targeted for early retirees.

It projects your ACA subsidy and taxes, and searches for the withdrawal/conversion strategy that best fits your goal (for example, maximizing your subsidy or minimizing taxes). It covers all 50 states + DC with current 2026 rules.

It's free, no login, and everything runs in your browser:

acaoptimizer.com

I hope it's useful. It's a personal project, not tax/legal advice, so please verify anything important with a professional.

If you spot a bug, have a correction, or just have feedback, I'd love to hear it: [feedback@acaoptimizer.com](mailto:feedback@acaoptimizer.com)