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Retirement Income Focused Calculator

Answer a few questions about your risk comfort and current balances, and we’ll estimate your future retirement income before and after taxes.

This is not a guarantee or a personalized plan. It’s a starting point for a conversation.

Account balances (today)
How do you feel about stock market ups and downs?
More conservativeMore aggressive
Answer: 3
How important is growth vs. stability for you?
More conservativeMore aggressive
Answer: 3
How many years until you plan to use this money?
More conservativeMore aggressive
Answer: 3
How familiar are you with investing?
More conservativeMore aggressive
Answer: 3
If markets drop, how likely are you to stay invested?
More conservativeMore aggressive
Answer: 3

Get Results

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Assumptions & Guardrails
  • Results are illustrative only and are not a guarantee of future outcomes.
  • Tax rates are modeled (not user-entered): 40.8% ordinary income and 23.8% long-term capital gains (including NIIT).
  • Roth accounts are modeled as growth accounts (no fixed income held in Roth).
  • Best practice places fixed income in pre-tax first, then taxable, and keeps Roth equity-focused.
  • Safe Withdrawal Rate is set by risk bucket (3.0% to 4.0%) and capped at 4%.
  • This is a simplified model and does not account for inflation, account-specific growth differences, cost basis, state taxes, or RMDs.

For compliance: this is a rough planning tool, not a guarantee. Actual results will differ based on markets, tax law, and your specific circumstances.

What can you do next?

For an in-depth, personalized analysis of your retirement strategy — including taxes, investment allocation, and long-term planning — please reach out to our team. We’ll help you review your current approach and explore ways to improve your long-term outcomes.
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