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The Income and Tax Planner application is a sophisticated calculator that takes into account your income, retirement income, and the tax code to project your year to year income and taxes. Taxes take into account taxable income, taxable social security income, investment income and child tax credits calculating your federal tax, state tax, and social security/medicare tax. The tool has a nice graphical output and tables to show details on income and tax summary, taxes, effective tax rates (state and federal), income, filing status, deductions and exemptions and tax credits. The tool gives you the ability to modify your plan, year by year, as needed to custom a plan specific for your life situation. A very nice, handy, income and tax calculator.