Tax Bracket Thermometer

08/14/2026

Make your tax bracket work for you! Paying taxes while you are in the 12% tax bracket by contributing to Roth accounts either with new contributions or converting traditional funds into Roth keeps that money growing tax free. (Numbers below for married filing jointly filers).

08/13/2026

Don't worry, that bonus you earned isn't taxed at a higher rate unless it pushes you into a higher tax bracket. It could, however, be withheld at a higher rate.

08/12/2026

Your whole paycheck isn't taxed at your top bracket rate, but it is a shame to give the IRS 10% more for every dollar you earned for any amount of earnings! The Tax Bracket Thermometer App on the iOS App Store can provide strategies for getting your taxable income back into that lower bracket, and keep your money out of the IRS's hands!

08/11/2026

Make your tax bracket work for you! Paying taxes while you are in the 12% tax bracket by contributing to Roth accounts either with new contributions or converting traditional funds into Roth keeps that money growing tax free. (Numbers below for single filers).

08/10/2026

Your IRA funds are not off limits until your 59.5 years old. Roth contributions can always be withdrawn tax free, and you can covert traditional (pretax) IRA funds to Roth funds to be accessible on a five year cycle!

08/10/2026

08/10/2026

So you used pretax funds during your savings years to lower your taxable income and save on marginal tax rates. Converting those "Traditional" IRA funds to Roth will save you on RMDs and taxes - especially if you keep it contained to a lower tax bracket!

08/09/2026

Just get a bonus, and wondering how it affects your taxes? Update your numbers in Tax Bracket Thermometer and find out in seconds. No guessing, no spreadsheet, no calling your accountant.

Spoiler: it doesn't have to. If a bonus (or raise, or good quarter) pushes you a few hundred bucks over the line, the app shows you exactly how far over you are trending, and the moves that will keep more money in your pocket, rather that the IRS's.

08/08/2026

This app started as a spreadsheet.

I knew the 22% bracket was coming, and I wanted to stay under that ceiling. Every dollar I deferred before I crossed it was worth 10% more than one I dealt with after. So I built a spreadsheet to track it, squirreling money away before the IRS could get to it first.

The spreadsheet worked, but it lived in a folder and only I knew how to use it. Tax Bracket Thermometer is that same idea, rebuilt as something anyone can use. Feed it your pay stub or year-to-date numbers, and it projects your full income out to the finish line, so you can see your bracket coming from months away instead of finding out after the fact.

We're in August. There's still time to adjust and make a plan that works for you.

Free on the iOS App Store (for now)