Your plan
Spending and healthcare inputs use today's dollars. Account balances are balances today.
Load a case, then change any number.
Age and timeline
Enter 0 for a single-person plan.
Used for qualified Roth earnings.
Spending and healthcare
Taxable assets today
Negative if the account is below cost. Losses make sales tax-free here; the loss deduction is not modeled.
Retirement accounts today
IRAs and 401(k)s in your spouse's name. Opened at the spouse's 59½, with RMDs on the spouse's age. Your balances above exclude these.
Annual savings until retirement
The planner grows today's balances and adds these savings before retirement. Contributions stop when retirement starts.
Access methods
Fixed amortization. A lower rate gives a smaller payment.
Optional. Only matters if above 5% for either of the two months before the first payment.
Worked out from the projected balance, the IRS Single Life Expectancy Table and the method above. It cannot be typed in.
Income sources
Entered as your age, like Pension 1.
Spouse's own age when benefits begin.
Enter 0 if single or if the amount above is combined.
2026: premium subsidies stop above 400% of the poverty line, about $62,600 single or $84,600 for a couple. Counts all Social Security and interest.
Tax estimates
Flat on withdrawals, pensions, interest and gains. Some states exempt retirement income.
Federal tax is estimated each year from 2026 IRS brackets, including the 3.8% investment income tax: married filing jointly when a spouse age is entered, single otherwise. Later years' thresholds are projected with your inflation input. The flat rates below are then used only for interest earned while you are still working.
These are flat planning rates, not tax brackets. Switch the tax method above for a bracket estimate.
Returns and stress
A 25% crash means a -25% stock return.
A plan link carries every number you entered. Anyone you send it to can read them. Nothing is sent to or stored on a server.
How this model treats access
Cash and taxable money are used first. Qualified HSA expenses, Roth contributions, seasoned conversion principal, Rule of 55 money, normal retirement access, and the 529 fallback follow. Pretax withdrawals are grossed up for the tax rate entered above.
Balances projected to retirementPretax draws shown net of taxRoth principal does not growFlat tax-rate estimate
Plan signal
Run your plan to see results
The base case and a bad first-year market test are checked together.
— verdict
Retirement-day access
What is available when work income stops?
This snapshot uses balances projected to retirement, not balances entered today.
Planning model: Taxes use your flat rates, or a federal bracket estimate if you pick that method, and withdrawals follow the access order shown in the table. It is not tax-filing software. ACA subsidies, IRMAA, plan-document limits, exact SEPP payment methods, survivor choices, and tax-lot selection still need a separate check.
Plan levers
What would make this plan work?
Liquid reserve coverage
Years of spending held in cash, bonds, and after-tax taxable stock. This is not how long the whole plan lasts. The first ten years matter most.
Liquid reserve (years)Below 2 yearsPension / SS milestone
A zero bar does not mean the money is gone. Roth principal, HSA, pensions and retirement accounts can keep paying for spending after liquid reserves run out. Check the Gap column in the year-by-year table.
Retirement phases