Free Reference Sheet

The 2026 Numbers That Decide
What You Actually Keep

One page. Social Security taxation thresholds, the IRMAA cliff, RMD divisors, brackets, and the inherited-IRA rule — with the lines that trigger each one.

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The two income lines that decide how much of your Social Security gets taxed — and why they never move
All six 2026 IRMAA tiers for single and joint, with the exact Part B and Part D dollar amounts
The RMD divisor table, ages 73–96, with a worked example
2026 brackets and standard deduction, including the age-65 addition
Which moves raise AGI — and the one that doesn't

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Retirement Literacy Foundation · 501(c)(3) · EIN 41-5062266
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Hans Goldstein

Founder & Executive Director · Retirement Literacy Foundation, a 501(c)(3) non-profit

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