ESPlanner is telling me I'll pay virtually no federal taxes for the next 27 years. I'm also fortunate to be the projected recipient of annual NC state tax refunds amounting to $500 - $900 per year. I'm retired and will claim SS in another two years.

I can kind of see why I might pay little federal tax under SS rules for couples with relatively low "combined income" that might render half of SS un-taxable if I understand correctly. But zero? Is that a common result for someone in retirement?

And why would NC be paying refunds? I don't expect to be paying estimated state tax or earning income?

Also: I need to buy the annual renewal for ESPlanner, but the link isn't working.

Thanks -
Richard