Age —
—
Total Portfolio
—
Portfolio Composition
Pre-Tax (401k/IRA)
—
Roth (Tax-Free)
—
Taxable Brokerage
—
Other Assets
—
Cash Flow This Year
💸 Annual Spending —
🏛️ Social Security —
🔄 Roth Conversion —
📊 RMD (Required) —
Click outside or ✕ to close
🏔️

Retirement Planning Calculator

Median American · Age 40 · Tax-Optimized Drawdown & Inheritance Strategy

Retire at 67
Return Scenario
Profile
Current Agei
Retire Agei
Plan Through Agei
Current Assets (Age 40)
Pre-Tax (401k + IRA + HSA)i
Roth IRAi
Taxable Brokeragei
Other (UTMA + Crypto + Emergency)i
Accumulation (Working Years)
Annual Pre-Tax Contrib (401k+HSA)i
Annual Roth Contribi
Annual Taxable Contribi
Annual Return Ratei
Retirement Spending
Annual Spending at Retirementi
Inflation Ratei
Social Security
Start Agei
Annual Benefiti
Roth Conversion Ladder
Ages 50–59 (annual)i
Ages 60–61 (annual)i
Ages 62–72 (annual)i
Effective Conv Tax Ratei
Portfolio at Retirement
—
at target retirement age
Estate at Age 90
—
projected total estate
Tax-Free Roth to Heir
—
of total estate at end
Lifetime Tax Saved
—
vs no Roth conversion strategy
Phase 1
Ages 50–59
Bridge & Convert
💰 Live off taxable brokerage 🔄 Aggressive Roth conversion 📉 Lowest-tax decade of life 🚫 Avoid 10% early withdrawal penalty
Phase 2
Ages 60–61
Transition Window
🔀 Mix taxable + pre-tax 🔄 Moderate Roth conversion 📋 Penalty-free access opens 📌 Pre-SS planning window
Phase 3
Ages 62–72
SS + Pre-Tax Draw
🏛️ Social Security starts at 62 💵 Draw from pre-tax IRA 🔄 Light Roth conversions ⚖️ Manage taxable income
Phase 4
Ages 73+
RMD Era
📊 RMDs begin (mandatory) 🚫 Stop Roth conversions 🌱 Roth compounds tax-free 🎁 Heir inherits Roth + step-up
Portfolio Growth & Composition · click any bar for details
Pre-Tax (Traditional)
Roth (Tax-Free)
Taxable (Step-Up)
Other
🎁 Inheritance Analysis at Age 90
Roth IRA (100% Tax-Free)
—
Heir drains within 10 years, tax-free. Best inheritance vehicle.
Taxable Brokerage (Step-Up Basis)
—
All capital gains eliminated at death. Heir sells at ~zero tax.
Pre-Tax / Other (Taxable to Heir)
—
Heir pays income tax at their marginal rate over 10-year stretch.
Estate Composition (% Tax-Efficient to Heir) —

📊 Optimal Withdrawal Strategy

Loading...

Year-by-Year Projection
Age Pre-Tax Roth Taxable Other Total Spending SS Income Roth Conv RMD
📋 Model Notes: Defaults reflect median/average balances for a 40-year-old American (sources: Vanguard How America Saves 2024, BLS Consumer Expenditure Survey 2023, Fed Survey of Consumer Finances 2022). Pre-tax: median 401k + IRA + HSA for ages 35–44. Spending: median US household expenditure ~$60k/yr. SS benefit: median retired-worker benefit ~$20k/yr at full retirement age (67). Accumulation uses end-of-year contributions; retirement uses pre-growth Roth conversion sequence. Conv Tax Rate = effective rate on conversion income above standard deduction. RMD calculations use IRS Uniform Lifetime Table. Projections are estimates — confirm strategy with a fee-only fiduciary advisor.