Model your full financial lifecycle — from today through retirement and beyond. Enter your income, spending, and account balances, then hit Optimize. The engine finds your optimal savings order, Social Security claiming age, Roth conversion strategy, and tax-efficient withdrawal sequence.
Net estate after heir taxes. Set $0 for 'die broke'.
The planning engine solves for one of three objectives: maximum sustainable spending in retirement, earliest possible retirement age, or maximum estate value. It holds the other two variables fixed and searches for the optimal answer.
Savings waterfall determines the optimal order to fund your accounts each year — employer match first, then HSA, then the mix of traditional and Roth that minimizes lifetime taxes. The order depends on your current marginal rate, expected retirement rate, and account-specific rules (contribution limits, catch-up provisions, mega backdoor Roth eligibility).
Social Security optimization evaluates every possible claiming combination for you and your spouse (if applicable), weighted by mortality probability. Delaying often wins because the 8%/year delayed retirement credits are actuarially generous — but the right answer depends on your specific tax situation, other income, and health.
Roth conversions are modeled year-by-year during the “gap years” between retirement and RMD age. The engine converts just enough to fill low brackets without triggering IRMAA surcharges, reducing future RMDs and their tax impact.
Withdrawal sequencing in retirement follows tax-optimal ordering: taxable accounts first (to harvest low capital gains rates), then traditional accounts (forced by RMDs), then Roth (tax-free, grows longest). The exact sequence depends on your bracket, state taxes, and ACA subsidy eligibility.
Want to save your plan and track progress over time? Create a free account to persist your inputs, link your accounts for automatic balance updates, and generate reconciled financial statements.