Tell us about yourself and your household
Your data stays on your device. Nothing is stored on our servers.
Your location affects taxes and healthcare costs
Tell us about your current employment situation
Your estimated Social Security benefits
Find your PIA at ssa.gov/myaccount
Add your retirement and investment accounts
If you're still working, you may be able to make annual contributions to tax-advantaged accounts. These are simulated year-by-year until retirement.
How much do you need to live on in retirement?
Pensions, rental income, and other sources
A Deferred Income Annuity (DIA) provides guaranteed lifetime income starting at a future age. We'll calculate the deposit needed.
Expected income from selling real estate, business, or other major assets
Configure your optimization approach and compare scenarios
Different account types may have different expected returns due to tax treatment and asset allocation.
Based on your inputs, here's your optimal retirement strategy
Waiting maximizes your lifetime benefit by 24%.
Converting now while in a lower bracket saves money long-term.
This order minimizes taxes over your lifetime.
This shows how each of your accounts grows and shrinks as you withdraw money during retirement.
This shows your income sources and account withdrawals over key years of retirement.
DETAILED VIEW
| Year | Age | Income Sources | RMD | Withdrawals | Cash In | Expenses | Taxes | Medicare + IRMAA | Cash Out | Roth Conv. | MAGI | Balances |
|---|
* RMD = Required Minimum Distribution (mandatory at age 73+)