Reference Data Tab
The Reference Data tab shows the official tables — from the IRS, Social Security Administration, and Medicare — that RetireRange uses for tax, RMD, and Medicare calculations. This data is shared across every scenario; it isn’t per-plan, and it contains no personal information.
What’s in here
- Federal income tax brackets and the standard deduction (by year and filing status)
- State income tax brackets — the Connecticut schedule is shown here as the reference example (the engine supports all 50 states + DC; choose your state on the Household tab)
- IRMAA surcharge thresholds
- Medicare Part B and Part D base premiums
- The IRS Uniform Lifetime Table (used to size RMDs)
- Social Security PIA factors
- The RMD onset age — the age the law requires Traditional withdrawals to begin (73 for those born in 1959 or earlier, 75 for those born 1960 or later)
Viewing, not editing
Everything on this tab is read-only — it’s a transparency and audit view so you can check the exact figures behind your results, including the two SECURE 2.0 RMD onset ages (73 and 75). These values are maintained centrally rather than edited per plan, so everyone runs on the same current numbers, and a legislative change can be rolled out without a software release.
How updates work
When the IRS and other agencies publish new figures each year, the central configuration is updated and every plan picks up the new values. If that configuration is ever missing or unreadable, RetireRange quietly falls back to its built-in defaults, so the app always loads.
Seeing these tables is mostly useful for transparency — you can check the exact brackets and thresholds behind your results. For how those numbers play into your plan, see Taxes and RMDs.