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Free Tax-Free vs.
Taxable Income Calculator
See how much more you need to earn in a taxable account to match tax-free income.
2026 TAX BRACKET:
Based on 2026 federal tax brackets. State taxes not included. Consult a qualified tax professional for personalized advice.
See a Custom Policy Design That Delivers Tax-Free Income at Your Bracket
The calculator shows how much taxable income you would need to match tax-free dollars at your bracket—it does not show whether a custom policy can actually deliver that income and stay in force. We design around your age, premium, and carrier options. See what a policy built for your situation projects—not a generic example.
About Brad Cummins
Brad Cummins is the founder of Insurance Geek and primary author of its educational content. Licensed since 2004, he brings over 21 years of experience structuring life insurance and IUL strategies for clients nationwide.
Fact checked by Ryan Wood
Ryan Wood is a licensed insurance professional and contributing advisor at Insurance Geek, serving as a fact checker and technical reviewer for life insurance and annuity content. First licensed in 2013, he brings more than 12 years of experience and holds licenses in over 40 U.S. states.
