Retirement Planner

Personal Information

Current Age

Retirement Age

End Planning Age (life expectancy)

Spending & Growth Assumptions

Annual Spending Need (today's dollars)

$

Inflation Rate (%/yr)

%

Expected Return — Pre-Retirement (%/yr)

%

Expected Return — Post-Retirement (%/yr)

%

Current Account Balances

Traditional 401(k)

$

Traditional IRA

$

Roth IRA

$

Taxable Brokerage

Balance

$

Cost Basis (for cap gains)

$

HSA

$

Emergency Fund (market-downturn reserve — never withdrawn; counted in total portfolio)

Balance

$

Growth Rate (%/yr)

%

Dividend Income Account (qualified dividends — sequenced first in retirement)

Balance

$

Dividend Yield (%/yr)

%

Price Growth (%/yr, optional)

%

Pre-Retirement Contributions (annual, used for ideal retirement age calculation)

401(k) Employee Contribution

$

Employer Match

$

Roth IRA Contribution

$

Taxable Brokerage Savings

$

Income Sources

Social Security — Claiming Age

Social Security — Est. Monthly Benefit (today's dollars)

$

Pension / Other Annual Income

$

Pension — Start Age (if applicable)

Spouse Annual Income (if any)

$

Spouse Income Until Age

Tax Planning

Filing Status (2026 IRS tax brackets — Rev. Proc. 2025-32)

Single Married Filing Jointly

State of Residence

State Income Tax Rate (%)

%

Override if your effective rate differs from the state default.

Standard Deduction (2026)

$

Federal Tax Bracket Ceiling — max bracket to stay within

Roth Conversion Strategy

Annual Roth Conversion Amount

$

RMD Start Age (SECURE 2.0 default: 73)

What-If Scenarios (optional — layer shocks onto your base plan)

No scenarios added — base plan will run as-is.

Retirement Planner

Personal Information

Spending & Growth Assumptions

Current Account Balances

Pre-Retirement Contributions (annual, used for ideal retirement age calculation)

Income Sources

Tax Planning

What-If Scenarios (optional — layer shocks onto your base plan)

Retirement Plan Results