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.

Years until you start retirement withdrawals

Monthly contributions until then ($)

Account balances (today)

Pre-tax retirement accounts today ($)

Taxable brokerage accounts today ($)

Roth accounts today ($)

Your tax rates (illustrative)

Effective ordinary income tax rate in retirement (e.g. 0.24)

Effective long-term capital gains tax rate in retirement (e.g. 0.15)

Question 1

How do you feel about stock market ups and downs?

More conservativeMore aggressive

Answer: 3

Question 2

How important is growth vs. stability for you?

More conservativeMore aggressive

Answer: 3

Question 3

How long until you expect to start retirement withdrawals?

More conservativeMore aggressive

Answer: 3

Question 4

How comfortable are you with investment risk?

More conservativeMore aggressive

Answer: 3

Question 5

How experienced are you as an investor?

More conservativeMore aggressive

Answer: 3

Get Results

"*" indicates required fields

Assumptions & guardrails

Expected returns (nominal): 3.5% / 5.0% / 6.5% / 7.5% by risk bucket.
Safe Withdrawal Rate auto-sets per bucket (3.0% to 4.0%), capped at 4%.
Tax modeling is simplified: pre-tax withdrawals are taxed at your ordinary income rate; taxable equities at your long-term capital gains rate and taxable fixed income at your ordinary rate; Roth withdrawals are modeled as tax-free.
For taxable brokerage accounts we also apply an additional tax drag using tax cost ratios for a standard mutual fund portfolio versus a more tax-efficient Keen implementation. This drag only applies to the taxable portion of the portfolio and is layered on top of the base tax rates.

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.