2027 ACA Subsidy Calculator | Premium Tax Credit & 400% Cliff Planner | Excel, Google Sheets, Offline App + 4 PDF Guides

Description

Will you qualify for a 2027 Premium Tax Credit — and how close are you to losing it?

The enhanced subsidies expired on 31 December 2025. For 2027 the credit stops at 400% of the federal poverty line, and since the 2025 tax year there is NO CAP on repaying advance credits you weren't entitled to. One dollar of extra income can cost you the whole thing.

This calculator shows you exactly where that line falls for your household — and gives you four guides and a planning workbook to walk through it with.

📊 WHAT YOU GET — 3 WAYS TO CALCULATE
• Excel workbook — 7 tabs, fully formula-driven, works in Excel, Google Sheets & LibreOffice
• Offline HTML calculator — no install, no account, works without internet
• Dashboard with live filters and 3 charts (cliff line, scenario comparison, credit breakdown)
• One-page printable summary, ready to save as PDF

📘 PLUS 4 GUIDES, INCLUDED FREE
• Quick Start Guide — ten minutes to your first estimate
• 2027 Rules Reference — every number used, every source cited
• Benchmark Premium Worksheet — find your Silver plan cost on healthcare.gov, once
• Open Enrollment Checklist — key dates, what to track, what happens at tax time

📝 PLUS A 9-PAGE PLANNING WORKBOOK
Fillable PDF (type on-screen) or printable (fill by hand) — A4 or US Letter. Household profile, scenarios, MAGI projection, employer test, decision notes.

🔢 WHAT IT CALCULATES
• Your income as a % of the federal poverty line
• Your expected contribution share (2.15%–10.22% for 2027)
• Your Premium Tax Credit — monthly and annual
• What you'd actually pay for your plan
• How far you are from the 400% cliff, and what crossing it costs
• Employer coverage affordability — tested separately for you and your family

📚 BUILT ON OFFICIAL FIGURES
IRS Rev. Proc. 2026-26 and the 2026 HHS poverty guidelines — the figures that actually govern 2027 coverage. Every source cited inside the workbook, not just claimed.

🔒 WHY NOT JUST USE A FREE CALCULATOR?
Free web calculators give you one number and forget you. This is yours to keep: compare 4 households side by side, log income through the year and watch your projected MAGI update, and edit it privately in your own Drive or Excel — no ads, nothing saved to a server, works offline forever.

🔁 ALSO INCLUDED
A "what if Congress extends" switch that models a restoration of the enhanced credits — clearly labelled as hypothetical, because no such law has passed.

💻 WORKS WITH
Microsoft Excel 2016+ · Excel for Mac · Google Sheets · LibreOffice
The HTML calculator opens in any browser, on any device, offline.

⚡ INSTANT DOWNLOAD
Files are available immediately after purchase. Nothing ships.

⚠️ PLEASE READ
This is a planning and estimation tool. It is not an official Marketplace eligibility determination and it is not tax or legal advice. Your actual credit is determined by the Marketplace and reconciled on IRS Form 8962 when you file. You will need your benchmark (second-lowest-cost Silver) premium from healthcare.gov or your state exchange — it varies by county and by age, so no calculator can supply it for you.

Digital download