Your retirement plan
Year-by-year projection with federal taxes, Social Security, RMDs and Roth conversions — computed entirely in your browser.
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Base case
Base case runs out in 2058 — run a simulation to size the risk.
Lifetime federal tax
✂️$81K
Avg $2.4K/yr
Must-spend coverage
🛡️59%
Guaranteed income vs essentials
Roth conversions
🔄None
Bracket-fill off
IRMAA exposure
🏥None
MAGI under thresholds
Legacy (base case)
🏛️$0
Depleted before end
Retire — Person 1 · 2026Claim SS — Person 1 · 2032Retire — Person 2 · 2026Claim SS — Person 2 · 2034
Click any year in the chart to inspect it — amounts are in today's dollars. Sequential strategy.
61592026
Person 1$738,250
Person 2$0
Joint$148,730
401k (401(k)/403(b))$632,100
Taxable (Brokerage)$148,730
Roth IRA (Roth IRA)$106,150
Liquid net worth$886,980
Essential + healthcare$52,000
Discretionary$15,000
Living$40,000
Travel & Fun$15,000
Healthcare$12,000
Current financesUpdate balances and expense amounts — the simulation responds instantly. Add, remove or restructure in Plan Setup.Show
Current finances
Update balances and expense amounts — the simulation responds instantly. Add, remove or restructure in Plan Setup.
Total today
👛$900K
3 accounts
Person 1
👤$700K
owned accounts
Person 2
👤$0
no sole-owned accounts
Your plan
Balances and expense amounts are editable here — the simulation responds instantly. Add, remove or restructure in the Plan Setup wizard.
🏢401kEditable
401(k)/403(b)Tax DeferredPerson 1
📈TaxableEditable
BrokerageTaxableJoint
🌿Roth IRAEditable
Roth IRATax FreePerson 1
Advanced analysisSurvivor what-if, Social Security hump — tax detail lives in Tax AnalyticsShow
Advanced analysis
Survivor what-if, Social Security hump — tax detail lives in Tax Analytics
Social Security taxation hump (this year's rules)
The plateau between the 0/50/85% Social Security tiers creates hidden ~25–40% marginal rates — the hump you want to plan withdrawals around.
Survivor what-if — the widow tax jump
80 yrs0 years filing as single after death
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Educational only — not tax, legal, or investment advice. Uses 2026 federal rules, grown with inflation after that. Verify against IRS publications and your SSA statement before acting. See full disclaimer.