A Complete Picture of Your Taxes
See how federal, state, and investment taxes impact your retirement savings each year.
- Federal and state income tax
- Capital gains and investment taxes
- Social Security and Medicare taxes
- RMD taxes and early withdrawal penalties
Find Opportunities in Every Tax Bracket
Compare your income with federal tax brackets each year to uncover potential tax savings.
- Visualize your income against federal tax brackets
- Identify lower-tax years for potential Roth conversions
- Find opportunities within your tax bracket
Make Roth Conversions Work for You
Convert tax-deferred savings into tax-free retirement income with Roth conversions tailored to your plan.
- Convert up to your chosen tax bracket
- Choose your conversion years
- Reduce future RMD taxes
- Build tax-free savings for your heirs
Tax-efficient withdrawals
Explore tax-efficient withdrawal strategies designed to help preserve more of your savings.
- Prioritize taxable or tax-deferred accounts
- Draw down IRAs early to reduce future RMDs
- Use Tax Minimizer to optimize your tax bracket
- Track every withdrawal in your action plan
Explore More Features
Cash Flow
See where each year's money comes from and where it goes.
Social Security
Check 700+ claiming strategies for the highest lifetime benefit.
Stress Testing
Run your plan through 1,000 simulated retirements.
Risk Radar
Rates the common risks in your plan Low, Moderate, or High.
Healthcare
Medicare premiums, IRMAA, HSAs, and long-term care.
What-If Explorer
Test a change next to your current plan.
Empower yourself to achieve financial well-being.
Build a detailed, year-by-year retirement plan in about 30 minutes. Free, and no signup required.