HeadroomCalc

HeadroomCalc helps you estimate how much room you have before hitting the next federal tax bracket. Add your base income, then explore what-ifs like stock option exercises, contractor gigs, or bonuses add and see the impact on your bracket headroom before you commit. Whether you’re a W-2 employee, contractor, or early retiree, HeadroomCalc gives you a clear picture of your taxable income, deductions, and available space for optimization. Key Features - Live Headroom Meter: See how much room remains before your next bracket. - Optimize Tab: Model IRA, HSA, 401(k), and FSA adjustments. - What-If Scenarios: Add stock options, bonuses, or 1099 income to test your plan. - Case Studies & Tips: Built-in guides on itemizing, bunching, and Roth conversions. - Exportable Reports: One-page PDF summary of your tax profile and decisions. - Offline by Design: All calculations run locally with SwiftData — your data never leaves your device. Why It’s Different HeadroomCalc bridges the gap between calculators and full-blown tax software. It gives you clarity without complexity — fast, local, transparent. Built with SwiftUI and SwiftData, it includes a self-check repair tool, versioned JSON tax tables, and glossary-linked guidance for every input. Privacy Policy (in plain language) - No sign-in or account required. - No analytics or tracking SDKs. - No device permissions (camera, contacts, etc.). - Your data stays on your device unless you explicitly export a PDF. HeadroomCalc is fully offline. We do not collect or transmit any personal information. What’s New (v1.0.3 Build 1) - Improved Optimize tab layout for clarity on smaller screens. - Added 2025 tax bracket defaults. - Enhanced How To Use examples for W-2, 1099, and stock option scenarios. - Fixed rare crash when deleting and re-adding income entries. - Updated PDF export for accurate field rounding. Main Highlights: 1. Plan your income with precision. See exactly how much room you have before the next bracket. 2. Explore what-ifs in real time. Add stock options, bonuses, or contractor income without breaking your bracket. 3. Optimize your deductions. Model IRA, HSA, and 401(k) adjustments — see how each impacts AGI. 4. Standard vs Itemized — instantly compare. Flip between strategies to find your true savings. 5. Generate clean, shareable PDF reports. Export summaries for records or your CPA. 6. Built-in guidance and glossary. Every term explained, every step contextualized. 7. Offline and private. Your data stays local — no accounts, tracking, or uploads. Note: HeadroomCalc provides planning estimates based on your inputs and published federal tax brackets. It does not provide tax or legal advice and is intended for personal use only.