Retirement Calculator

Withdraw in a tax-aware order and see the account drain through your selected end age.

Model 401(k), IRA, Roth IRA, Roth 401(k), taxable brokerage, cash, RRSP, inheritance cash, pension income, and Social Security income in one planning view.

Planning outcome

Set inputs to generate a withdrawal order.

The calculator uses a simplified planning model, not a tax filing engine.

Household

Planned Expenditures

Spouse A

Account balances

Spouse B

Account balances

Projection

Balances and estimated taxes are projected through your selected end age, using even monthly withdrawals with growth compounded quarterly.

What If...

Median projection shown. Shaded bands show 10th-90th percentile range across 500 simulated market scenarios (±12% annual volatility).

Age Income Withdrawn Estimated tax Ending balances

IRMAA Exposure

Medicare surcharges based on modified adjusted gross income (MAGI).

Compare Depletion Strategies

Side-by-side projections with different pre-tax depletion ages.

Social Security Claiming Comparison

Current Settings

AgeIncomeWithdrawnTaxBalances

Comparison

AgeIncomeWithdrawnTaxBalances