Checking sign-in…
Menu

Adviser note · Illustration assumptions
Synthetic high-paid tech-career examples in 2026 dollars, not population averages, actual histories or recommendations. Career starts at24; single, no dependents. Gross pay includes cash bonus and vested stock sold; no unvested stock, employer match, debt, home equity, inheritance or HSA.
Editable synthetic example · assumptions, not averages

Texas
Actions

Practice with a guided example ↗

Current scenario packet for your AI
{
  "version": "public-scenario-v1",
  "asOf": "2026-11-08",
  "preset": "custom",
  "earnings": [
    {
      "ownerKey": "owner-1",
      "payMode": "automatic",
      "growWithInflation": true,
      "annualTaxableCents": 12550000,
      "pretax401kCents": 2450000,
      "catchupPlanAllowed": false,
      "priorYearSponsorFicaCents": 15000000,
      "pretax401kAccountId": "traditional",
      "rothIraCents": 750000,
      "rothIraAccountId": "roth",
      "annualTakeHomeCents": null,
      "annualFederalWithholdingCents": null,
      "annualStateWithholdingCents": null,
      "startDate": "2026-01-01",
      "stopDate": "2062-01-01"
    }
  ],
  "accounts": [
    {
      "id": "traditional",
      "ownerKey": "owner-1",
      "kind": "traditional",
      "balanceCents": 0,
      "costBasisCents": 0
    },
    {
      "id": "roth",
      "ownerKey": "owner-1",
      "kind": "roth",
      "balanceCents": 0,
      "costBasisCents": 0
    },
    {
      "id": "taxable",
      "ownerKey": "owner-1",
      "kind": "taxable",
      "balanceCents": 0,
      "costBasisCents": 0
    },
    {
      "id": "career-cash",
      "ownerKey": "owner-1",
      "kind": "taxable",
      "balanceCents": 1500000,
      "costBasisCents": 1500000,
      "cashAccount": true
    }
  ],
  "people": [
    {
      "ownerKey": "owner-1",
      "plannedRetirementAge": 60,
      "plannedRetirementDate": "2062-01-01",
      "dob": "2002-01-01",
      "dobSource": "age_estimate",
      "name": "Owner 1"
    }
  ],
  "state": "TX",
  "scenario": {
    "taxableGainModel": "fixed-share-long-term-v1",
    "withdrawalAccess": {
      "version": "retirement-access-v1",
      "owners": [
        {
          "ownerKey": "owner-1",
          "retirementDate": "2062-01-01",
          "retirementAge": 60,
          "assumeQualifiedRoth": true
        }
      ]
    },
    "filingStatus": "Single",
    "cashManagement": {
      "investmentAccountId": "taxable",
      "cashAccountId": "career-cash",
      "initialCashCents": 0,
      "cashCapCents": 1500000
    },
    "taxableGainPercent": 50,
    "fundingOrder": "taxable_first",
    "label": "Early graduate · tech career illustration",
    "startYear": 2026,
    "years": 76,
    "returnPercent": 6,
    "inflationPercent": 2.5,
    "annualGoalCents": 6000000,
    "annualUsedBudgetCents": 6000000,
    "budgetType": "net_spending",
    "legacyFloorCents": 0,
    "legacyReal": true,
    "conversionYears": 0,
    "conversions": [],
    "familyAccountId": null,
    "familyFeePercent": 0,
    "returnsNetOfFee": false,
    "familySurplus": false
  }
}
1. Household wealth & ages
Adviser note · Household wealth & ages explanation
Set household wealth, account allocations and ages. Cash is included in the household total; an opening cash allocation moves existing taxable assets rather than adding wealth. Selected-year closing cash is included in closing personal wealth.
Household financial assets ($)$15,000Pre-tax assets ($)$0Roth assets ($)$0Personal taxable assets ($)$15,000Family fund allocation ($)$0Owner 1 pre-tax starting balance ($)$0Owner 1 Roth starting balance ($)$0Owner 1 taxable starting balance · bucket 1 ($)$0Owner 1 cash starting balance · bucket 2 ($)$15,000Cash cap (nominal maximum)$15,000Closing cash (included in personal wealth) · Age 24 · End of 2026 · Future dollars$15,000Owner 1 age (approximate)24Plan through first owner age100
2. Tax & withdrawal assumptionsTexas
Adviser note · Tax & withdrawal assumptions explanation
Choose the spending budget treatment, withdrawal order and tax funding sources.
Owner 1 · planned retirement age60Retirement-based withdrawal accessOnSpending and taxesTaxes are additionalWithdrawal orderTaxable → pre-tax → RothPay conversion tax fromWithdrawal orderPay spending tax fromWithdraw enough using withdrawal orderGain portion of taxable investment sales (%)50%
3. Spending & Roth conversions
Adviser note · Spending & Roth conversions explanation
Annual spending grows with inflation across the horizon.
AnnualAnnual spending ($)$60,000Owner 1 annual Roth conversion ($)$0Conversion years0
4. Inflation & annual return
Adviser note · Inflation & annual return explanation
Explore smooth annual return and inflation assumptions.
Annual return (%)6%Inflation (%)2.5%
5. Employment & contributions
Adviser note · Employment & contributions explanation
Enter annual gross pay for each owner. Pay grows with inflation until retirement unless overridden.
Owner 1 · annual gross pay$150,000Requested 401(k) / direct Roth IRA$24,500 / $7,500
6. Social Security
Adviser note · Social Security explanation
Enter each owner’s own benefit estimate and start age separately from employment income and spending.
Owner 1 · monthly estimateNot included

Wealth projection
Adviser note · Wealth projection
Closing balances are gross of latent account taxes. Personal wealth and the family fund are shown separately. Move Time travel to compare ages.

● Personal total● Pre-tax● Roth● Personal taxable

Projected personal wealth and family fund balanceOpening personal assets followed by annual closing balances. Future dollars. Focus a point or open the values table for details.$0$32,918,738$65,837,476Age 242026: Personal total $15,000 · Pre-tax $0 · Roth $0 · Personal taxable $15,0002027: Personal total $78,251 · Pre-tax $25,970 · Roth $7,950 · Personal taxable $44,3312028: Personal total $146,723 · Pre-tax $53,498 · Roth $16,377 · Personal taxable $76,8482029: Personal total $220,764 · Pre-tax $82,678 · Roth $25,310 · Personal taxable $112,7772030: Personal total $300,746 · Pre-tax $113,609 · Roth $34,778 · Personal taxable $152,3592031: Personal total $387,061 · Pre-tax $146,395 · Roth $44,815 · Personal taxable $195,8512032: Personal total $480,128 · Pre-tax $181,149 · Roth $55,454 · Personal taxable $243,5262033: Personal total $580,393 · Pre-tax $217,988 · Roth $66,731 · Personal taxable $295,6742034: Personal total $688,326 · Pre-tax $257,037 · Roth $78,261 · Personal taxable $353,0282035: Personal total $804,430 · Pre-tax $298,429 · Roth $88,119 · Personal taxable $417,8822036: Personal total $929,237 · Pre-tax $342,305 · Roth $96,151 · Personal taxable $490,7802037: Personal total $1,063,312 · Pre-tax $388,814 · Roth $102,185 · Personal taxable $572,3132038: Personal total $1,207,257 · Pre-tax $438,112 · Roth $108,316 · Personal taxable $660,8282039: Personal total $1,361,692 · Pre-tax $490,369 · Roth $114,815 · Personal taxable $756,5082040: Personal total $1,527,263 · Pre-tax $545,761 · Roth $121,704 · Personal taxable $859,7972041: Personal total $1,704,683 · Pre-tax $604,477 · Roth $129,007 · Personal taxable $971,1992042: Personal total $1,894,712 · Pre-tax $666,716 · Roth $136,747 · Personal taxable $1,091,2492043: Personal total $2,098,155 · Pre-tax $732,689 · Roth $144,952 · Personal taxable $1,220,5152044: Personal total $2,315,868 · Pre-tax $802,620 · Roth $153,649 · Personal taxable $1,359,5992045: Personal total $2,548,758 · Pre-tax $876,747 · Roth $162,868 · Personal taxable $1,509,1442046: Personal total $2,797,790 · Pre-tax $955,322 · Roth $172,640 · Personal taxable $1,669,8282047: Personal total $3,063,984 · Pre-tax $1,038,611 · Roth $182,998 · Personal taxable $1,842,3752048: Personal total $3,348,428 · Pre-tax $1,126,898 · Roth $193,978 · Personal taxable $2,027,5522049: Personal total $3,652,272 · Pre-tax $1,220,482 · Roth $205,617 · Personal taxable $2,226,1742050: Personal total $3,976,739 · Pre-tax $1,319,681 · Roth $217,954 · Personal taxable $2,439,1052051: Personal total $4,323,127 · Pre-tax $1,424,831 · Roth $231,031 · Personal taxable $2,667,2652052: Personal total $4,692,812 · Pre-tax $1,536,291 · Roth $244,893 · Personal taxable $2,911,6272053: Personal total $5,087,254 · Pre-tax $1,654,439 · Roth $259,587 · Personal taxable $3,173,2282054: Personal total $5,508,003 · Pre-tax $1,779,675 · Roth $275,162 · Personal taxable $3,453,1662055: Personal total $5,956,704 · Pre-tax $1,912,426 · Roth $291,672 · Personal taxable $3,752,6072056: Personal total $6,435,101 · Pre-tax $2,053,141 · Roth $309,172 · Personal taxable $4,072,7882057: Personal total $6,945,047 · Pre-tax $2,202,300 · Roth $327,722 · Personal taxable $4,415,0252058: Personal total $7,488,504 · Pre-tax $2,360,408 · Roth $347,386 · Personal taxable $4,780,7112059: Personal total $8,067,556 · Pre-tax $2,528,002 · Roth $368,229 · Personal taxable $5,171,3252060: Personal total $8,684,414 · Pre-tax $2,705,652 · Roth $390,322 · Personal taxable $5,588,4402061: Personal total $9,341,423 · Pre-tax $2,893,961 · Roth $413,742 · Personal taxable $6,033,7202062: Personal total $10,041,069 · Pre-tax $3,093,569 · Roth $438,566 · Personal taxable $6,508,9342063: Personal total $10,488,824 · Pre-tax $3,279,183 · Roth $464,880 · Personal taxable $6,744,7612064: Personal total $10,959,577 · Pre-tax $3,475,934 · Roth $492,773 · Personal taxable $6,990,8692065: Personal total $11,454,610 · Pre-tax $3,684,490 · Roth $522,339 · Personal taxable $7,247,7802066: Personal total $11,975,281 · Pre-tax $3,905,560 · Roth $553,680 · Personal taxable $7,516,0422067: Personal total $12,523,028 · Pre-tax $4,139,893 · Roth $586,900 · Personal taxable $7,796,2352068: Personal total $13,099,371 · Pre-tax $4,388,287 · Roth $622,115 · Personal taxable $8,088,9692069: Personal total $13,705,918 · Pre-tax $4,651,584 · Roth $659,441 · Personal taxable $8,394,8922070: Personal total $14,344,372 · Pre-tax $4,930,679 · Roth $699,008 · Personal taxable $8,714,6852071: Personal total $15,016,536 · Pre-tax $5,226,520 · Roth $740,948 · Personal taxable $9,049,0682072: Personal total $15,724,318 · Pre-tax $5,540,111 · Roth $785,405 · Personal taxable $9,398,8012073: Personal total $16,469,736 · Pre-tax $5,872,518 · Roth $832,530 · Personal taxable $9,764,6892074: Personal total $17,254,928 · Pre-tax $6,224,869 · Roth $882,481 · Personal taxable $10,147,5782075: Personal total $18,082,157 · Pre-tax $6,598,361 · Roth $935,430 · Personal taxable $10,548,3662076: Personal total $18,953,818 · Pre-tax $6,994,262 · Roth $991,556 · Personal taxable $10,967,9992077: Personal total $19,872,447 · Pre-tax $7,413,918 · Roth $1,051,049 · Personal taxable $11,407,4792078: Personal total $20,802,522 · Pre-tax $7,539,292 · Roth $1,114,112 · Personal taxable $12,149,1182079: Personal total $21,779,722 · Pre-tax $7,654,449 · Roth $1,180,959 · Personal taxable $12,944,3142080: Personal total $22,806,892 · Pre-tax $7,759,405 · Roth $1,251,817 · Personal taxable $13,795,6712081: Personal total $23,886,373 · Pre-tax $7,851,107 · Roth $1,326,926 · Personal taxable $14,708,3402082: Personal total $25,020,956 · Pre-tax $7,927,758 · Roth $1,406,541 · Personal taxable $15,686,6572083: Personal total $26,213,590 · Pre-tax $7,987,412 · Roth $1,490,934 · Personal taxable $16,735,2442084: Personal total $27,467,886 · Pre-tax $8,030,231 · Roth $1,580,390 · Personal taxable $17,857,2652085: Personal total $28,786,688 · Pre-tax $8,051,935 · Roth $1,675,213 · Personal taxable $19,059,5412086: Personal total $30,174,080 · Pre-tax $8,052,844 · Roth $1,775,726 · Personal taxable $20,345,5092087: Personal total $31,633,198 · Pre-tax $8,027,919 · Roth $1,882,269 · Personal taxable $21,723,0092088: Personal total $33,168,671 · Pre-tax $7,977,744 · Roth $1,995,206 · Personal taxable $23,195,7212089: Personal total $34,784,769 · Pre-tax $7,900,066 · Roth $2,114,918 · Personal taxable $24,769,7852090: Personal total $36,486,023 · Pre-tax $7,792,538 · Roth $2,241,813 · Personal taxable $26,451,6722091: Personal total $38,278,220 · Pre-tax $7,657,164 · Roth $2,376,322 · Personal taxable $28,244,7352092: Personal total $40,165,586 · Pre-tax $7,487,400 · Roth $2,518,901 · Personal taxable $30,159,2852093: Personal total $42,154,745 · Pre-tax $7,286,100 · Roth $2,670,035 · Personal taxable $32,198,6112094: Personal total $44,251,706 · Pre-tax $7,051,677 · Roth $2,830,237 · Personal taxable $34,369,7922095: Personal total $46,462,878 · Pre-tax $6,782,669 · Roth $3,000,051 · Personal taxable $36,680,1582096: Personal total $48,795,061 · Pre-tax $6,477,785 · Roth $3,180,054 · Personal taxable $39,137,2222097: Personal total $51,257,366 · Pre-tax $6,143,667 · Roth $3,370,858 · Personal taxable $41,742,8412098: Personal total $53,857,806 · Pre-tax $5,780,570 · Roth $3,573,109 · Personal taxable $44,504,1282099: Personal total $56,606,944 · Pre-tax $5,397,951 · Roth $3,787,496 · Personal taxable $47,421,4972100: Personal total $59,512,100 · Pre-tax $4,988,260 · Roth $4,014,745 · Personal taxable $50,509,0942101: Personal total $62,585,375 · Pre-tax $4,563,233 · Roth $4,255,630 · Personal taxable $53,766,5122102: Personal total $65,837,476 · Pre-tax $4,125,700 · Roth $4,510,968 · Personal taxable $57,200,808Age 24Age 99

Annual income and spending
Adviser note · Annual income and spending
Annual cash flows have their own scale, separate from portfolio balances. Gross wages are before payroll deductions. Income cash uses the engine’s wage, benefit and resource cash after modeled income taxes and Roth deposits; it excludes account withdrawals and can be negative when assets fund taxes. Spending is the engine’s after-tax target, not an additional withdrawal. A shortfall is an unfilled need; the target is not evidence that all spending was funded. Wealth closing values use end-of-year balances; annual flows use that year’s dollar basis.

● Gross wages● Income cash after taxes/IRA● Spending after taxes

Annual income and spendingAnnual cash flows, future dollars. Separate from wealth balance scale.-$100,891$140,721$382,332Age 242026 Gross wages $150,0002027 Gross wages $153,7502028 Gross wages $157,5942029 Gross wages $161,5342030 Gross wages $165,5722031 Gross wages $169,7112032 Gross wages $173,9542033 Gross wages $178,3032034 Gross wages $182,7602035 Gross wages $187,3292036 Gross wages $192,0132037 Gross wages $196,8132038 Gross wages $201,7332039 Gross wages $206,7772040 Gross wages $211,9462041 Gross wages $217,2452042 Gross wages $222,6762043 Gross wages $228,2432044 Gross wages $233,9492045 Gross wages $239,7982046 Gross wages $245,7922047 Gross wages $251,9372048 Gross wages $258,2362049 Gross wages $264,6922050 Gross wages $271,3092051 Gross wages $278,0922052 Gross wages $285,0442053 Gross wages $292,1702054 Gross wages $299,4742055 Gross wages $306,9612056 Gross wages $314,6352057 Gross wages $322,5012058 Gross wages $330,5642059 Gross wages $338,8282060 Gross wages $347,2982061 Gross wages $355,9812062 Gross wages $02063 Gross wages $02064 Gross wages $02065 Gross wages $02066 Gross wages $02067 Gross wages $02068 Gross wages $02069 Gross wages $02070 Gross wages $02071 Gross wages $02072 Gross wages $02073 Gross wages $02074 Gross wages $02075 Gross wages $02076 Gross wages $02077 Gross wages $02078 Gross wages $02079 Gross wages $02080 Gross wages $02081 Gross wages $02082 Gross wages $02083 Gross wages $02084 Gross wages $02085 Gross wages $02086 Gross wages $02087 Gross wages $02088 Gross wages $02089 Gross wages $02090 Gross wages $02091 Gross wages $02092 Gross wages $02093 Gross wages $02094 Gross wages $02095 Gross wages $02096 Gross wages $02097 Gross wages $02098 Gross wages $02099 Gross wages $02100 Gross wages $02101 Gross wages $02026 Income cash after taxes/IRA $87,6712027 Income cash after taxes/IRA $90,5162028 Income cash after taxes/IRA $93,4322029 Income cash after taxes/IRA $96,4202030 Income cash after taxes/IRA $99,4842031 Income cash after taxes/IRA $102,6242032 Income cash after taxes/IRA $105,8432033 Income cash after taxes/IRA $109,5422034 Income cash after taxes/IRA $115,1532035 Income cash after taxes/IRA $120,8992036 Income cash after taxes/IRA $126,7922037 Income cash after taxes/IRA $130,6842038 Income cash after taxes/IRA $134,4012039 Income cash after taxes/IRA $138,1812040 Income cash after taxes/IRA $142,0562041 Income cash after taxes/IRA $146,0282042 Income cash after taxes/IRA $150,0992043 Income cash after taxes/IRA $154,2722044 Income cash after taxes/IRA $158,5502045 Income cash after taxes/IRA $162,9342046 Income cash after taxes/IRA $167,4282047 Income cash after taxes/IRA $172,0342048 Income cash after taxes/IRA $176,7552049 Income cash after taxes/IRA $181,5952050 Income cash after taxes/IRA $186,5552051 Income cash after taxes/IRA $191,6392052 Income cash after taxes/IRA $196,8512053 Income cash after taxes/IRA $202,1932054 Income cash after taxes/IRA $207,6682055 Income cash after taxes/IRA $213,2802056 Income cash after taxes/IRA $219,0332057 Income cash after taxes/IRA $224,9292058 Income cash after taxes/IRA $230,9732059 Income cash after taxes/IRA $237,1672060 Income cash after taxes/IRA $243,5172061 Income cash after taxes/IRA $250,0262062 Income cash after taxes/IRA $02063 Income cash after taxes/IRA $02064 Income cash after taxes/IRA $02065 Income cash after taxes/IRA $02066 Income cash after taxes/IRA $02067 Income cash after taxes/IRA $02068 Income cash after taxes/IRA $02069 Income cash after taxes/IRA $02070 Income cash after taxes/IRA $02071 Income cash after taxes/IRA $02072 Income cash after taxes/IRA $02073 Income cash after taxes/IRA $02074 Income cash after taxes/IRA $02075 Income cash after taxes/IRA $02076 Income cash after taxes/IRA $02077 Income cash after taxes/IRA -$35,1952078 Income cash after taxes/IRA -$38,0992079 Income cash after taxes/IRA -$40,8532080 Income cash after taxes/IRA -$44,0942081 Income cash after taxes/IRA -$47,5222082 Income cash after taxes/IRA -$51,1462083 Income cash after taxes/IRA -$54,5032084 Income cash after taxes/IRA -$58,5172085 Income cash after taxes/IRA -$62,1782086 Income cash after taxes/IRA -$66,6042087 Income cash after taxes/IRA -$70,5622088 Income cash after taxes/IRA -$74,6502089 Income cash after taxes/IRA -$78,8582090 Income cash after taxes/IRA -$82,2522091 Income cash after taxes/IRA -$86,6322092 Income cash after taxes/IRA -$89,9642093 Income cash after taxes/IRA -$93,2062094 Income cash after taxes/IRA -$96,3102095 Income cash after taxes/IRA -$99,2692096 Income cash after taxes/IRA -$100,2802097 Income cash after taxes/IRA -$100,8912098 Income cash after taxes/IRA -$99,1472099 Income cash after taxes/IRA -$98,6952100 Income cash after taxes/IRA -$95,4372101 Income cash after taxes/IRA -$91,3672026 Spending after taxes $60,0002027 Spending after taxes $61,5002028 Spending after taxes $63,0382029 Spending after taxes $64,6132030 Spending after taxes $66,2292031 Spending after taxes $67,8842032 Spending after taxes $69,5822033 Spending after taxes $71,3212034 Spending after taxes $73,1042035 Spending after taxes $74,9322036 Spending after taxes $76,8052037 Spending after taxes $78,7252038 Spending after taxes $80,6932039 Spending after taxes $82,7112040 Spending after taxes $84,7782041 Spending after taxes $86,8982042 Spending after taxes $89,0702043 Spending after taxes $91,2972044 Spending after taxes $93,5802045 Spending after taxes $95,9192046 Spending after taxes $98,3172047 Spending after taxes $100,7752048 Spending after taxes $103,2942049 Spending after taxes $105,8772050 Spending after taxes $108,5242051 Spending after taxes $111,2372052 Spending after taxes $114,0182053 Spending after taxes $116,8682054 Spending after taxes $119,7902055 Spending after taxes $122,7842056 Spending after taxes $125,8542057 Spending after taxes $129,0002058 Spending after taxes $132,2252059 Spending after taxes $135,5312060 Spending after taxes $138,9192061 Spending after taxes $142,3922062 Spending after taxes $145,9522063 Spending after taxes $149,6012064 Spending after taxes $153,3412065 Spending after taxes $157,1742066 Spending after taxes $161,1042067 Spending after taxes $165,1312068 Spending after taxes $169,2602069 Spending after taxes $173,4912070 Spending after taxes $177,8282071 Spending after taxes $182,2742072 Spending after taxes $186,8312073 Spending after taxes $191,5022074 Spending after taxes $196,2892075 Spending after taxes $201,1972076 Spending after taxes $206,2272077 Spending after taxes $211,3822078 Spending after taxes $216,6672079 Spending after taxes $222,0832080 Spending after taxes $227,6352081 Spending after taxes $233,3262082 Spending after taxes $239,1602083 Spending after taxes $245,1392084 Spending after taxes $251,2672085 Spending after taxes $257,5492086 Spending after taxes $263,9872087 Spending after taxes $270,5872088 Spending after taxes $277,3522089 Spending after taxes $284,2862090 Spending after taxes $291,3932091 Spending after taxes $298,6782092 Spending after taxes $306,1442093 Spending after taxes $313,7982094 Spending after taxes $321,6432095 Spending after taxes $329,6842096 Spending after taxes $337,9262097 Spending after taxes $346,3742098 Spending after taxes $355,0342099 Spending after taxes $363,9102100 Spending after taxes $373,0072101 Spending after taxes $382,332Age 24Age 99
Projection values
Future dollars; family fund balance is separate
Year / pointApprox. agePersonal totalPre-taxRothPersonal taxable
2026 opening24$15,000$0$0$15,000
2027 closing25$78,251$25,970$7,950$44,331
2028 closing26$146,723$53,498$16,377$76,848
2029 closing27$220,764$82,678$25,310$112,777
2030 closing28$300,746$113,609$34,778$152,359
2031 closing29$387,061$146,395$44,815$195,851
2032 closing30$480,128$181,149$55,454$243,526
2033 closing31$580,393$217,988$66,731$295,674
2034 closing32$688,326$257,037$78,261$353,028
2035 closing33$804,430$298,429$88,119$417,882
2036 closing34$929,237$342,305$96,151$490,780
2037 closing35$1,063,312$388,814$102,185$572,313
2038 closing36$1,207,257$438,112$108,316$660,828
2039 closing37$1,361,692$490,369$114,815$756,508
2040 closing38$1,527,263$545,761$121,704$859,797
2041 closing39$1,704,683$604,477$129,007$971,199
2042 closing40$1,894,712$666,716$136,747$1,091,249
2043 closing41$2,098,155$732,689$144,952$1,220,515
2044 closing42$2,315,868$802,620$153,649$1,359,599
2045 closing43$2,548,758$876,747$162,868$1,509,144
2046 closing44$2,797,790$955,322$172,640$1,669,828
2047 closing45$3,063,984$1,038,611$182,998$1,842,375
2048 closing46$3,348,428$1,126,898$193,978$2,027,552
2049 closing47$3,652,272$1,220,482$205,617$2,226,174
2050 closing48$3,976,739$1,319,681$217,954$2,439,105
2051 closing49$4,323,127$1,424,831$231,031$2,667,265
2052 closing50$4,692,812$1,536,291$244,893$2,911,627
2053 closing51$5,087,254$1,654,439$259,587$3,173,228
2054 closing52$5,508,003$1,779,675$275,162$3,453,166
2055 closing53$5,956,704$1,912,426$291,672$3,752,607
2056 closing54$6,435,101$2,053,141$309,172$4,072,788
2057 closing55$6,945,047$2,202,300$327,722$4,415,025
2058 closing56$7,488,504$2,360,408$347,386$4,780,711
2059 closing57$8,067,556$2,528,002$368,229$5,171,325
2060 closing58$8,684,414$2,705,652$390,322$5,588,440
2061 closing59$9,341,423$2,893,961$413,742$6,033,720
2062 closing60$10,041,069$3,093,569$438,566$6,508,934
2063 closing61$10,488,824$3,279,183$464,880$6,744,761
2064 closing62$10,959,577$3,475,934$492,773$6,990,869
2065 closing63$11,454,610$3,684,490$522,339$7,247,780
2066 closing64$11,975,281$3,905,560$553,680$7,516,042
2067 closing65$12,523,028$4,139,893$586,900$7,796,235
2068 closing66$13,099,371$4,388,287$622,115$8,088,969
2069 closing67$13,705,918$4,651,584$659,441$8,394,892
2070 closing68$14,344,372$4,930,679$699,008$8,714,685
2071 closing69$15,016,536$5,226,520$740,948$9,049,068
2072 closing70$15,724,318$5,540,111$785,405$9,398,801
2073 closing71$16,469,736$5,872,518$832,530$9,764,689
2074 closing72$17,254,928$6,224,869$882,481$10,147,578
2075 closing73$18,082,157$6,598,361$935,430$10,548,366
2076 closing74$18,953,818$6,994,262$991,556$10,967,999
2077 closing75$19,872,447$7,413,918$1,051,049$11,407,479
2078 closing76$20,802,522$7,539,292$1,114,112$12,149,118
2079 closing77$21,779,722$7,654,449$1,180,959$12,944,314
2080 closing78$22,806,892$7,759,405$1,251,817$13,795,671
2081 closing79$23,886,373$7,851,107$1,326,926$14,708,340
2082 closing80$25,020,956$7,927,758$1,406,541$15,686,657
2083 closing81$26,213,590$7,987,412$1,490,934$16,735,244
2084 closing82$27,467,886$8,030,231$1,580,390$17,857,265
2085 closing83$28,786,688$8,051,935$1,675,213$19,059,541
2086 closing84$30,174,080$8,052,844$1,775,726$20,345,509
2087 closing85$31,633,198$8,027,919$1,882,269$21,723,009
2088 closing86$33,168,671$7,977,744$1,995,206$23,195,721
2089 closing87$34,784,769$7,900,066$2,114,918$24,769,785
2090 closing88$36,486,023$7,792,538$2,241,813$26,451,672
2091 closing89$38,278,220$7,657,164$2,376,322$28,244,735
2092 closing90$40,165,586$7,487,400$2,518,901$30,159,285
2093 closing91$42,154,745$7,286,100$2,670,035$32,198,611
2094 closing92$44,251,706$7,051,677$2,830,237$34,369,792
2095 closing93$46,462,878$6,782,669$3,000,051$36,680,158
2096 closing94$48,795,061$6,477,785$3,180,054$39,137,222
2097 closing95$51,257,366$6,143,667$3,370,858$41,742,841
2098 closing96$53,857,806$5,780,570$3,573,109$44,504,128
2099 closing97$56,606,944$5,397,951$3,787,496$47,421,497
2100 closing98$59,512,100$4,988,260$4,014,745$50,509,094
2101 closing99$62,585,375$4,563,233$4,255,630$53,766,512
2102 closing100$65,837,476$4,125,700$4,510,968$57,200,808

RMDs and Roth conversions by year
Adviser note · RMDs and conversions
RMDs use eligible owners’ prior-year pre-tax balances and are taken before conversions. Actual modeled conversions can be lower than your requested amount when pre-tax assets run out. No RMD withdrawals are modeled when no first RMD is shown.

First modeled RMD: Age 75 · 2077 · $301,379 future dollars

● RMD● Roth conversion

RMDs and Roth conversions by year$0$346,022$692,045Age 242026: RMD $02027: RMD $02028: RMD $02029: RMD $02030: RMD $02031: RMD $02032: RMD $02033: RMD $02034: RMD $02035: RMD $02036: RMD $02037: RMD $02038: RMD $02039: RMD $02040: RMD $02041: RMD $02042: RMD $02043: RMD $02044: RMD $02045: RMD $02046: RMD $02047: RMD $02048: RMD $02049: RMD $02050: RMD $02051: RMD $02052: RMD $02053: RMD $02054: RMD $02055: RMD $02056: RMD $02057: RMD $02058: RMD $02059: RMD $02060: RMD $02061: RMD $02062: RMD $02063: RMD $02064: RMD $02065: RMD $02066: RMD $02067: RMD $02068: RMD $02069: RMD $02070: RMD $02071: RMD $02072: RMD $02073: RMD $02074: RMD $02075: RMD $02076: RMD $02077: RMD $301,3792078: RMD $318,1142079: RMD $334,2552080: RMD $352,7002081: RMD $372,0902082: RMD $392,4632083: RMD $411,7222084: RMD $434,0672085: RMD $454,9122086: RMD $479,3362087: RMD $501,7452088: RMD $524,8522089: RMD $548,6162090: RMD $568,7982091: RMD $593,5792092: RMD $613,7212093: RMD $633,5742094: RMD $652,9332095: RMD $671,5512096: RMD $681,8722097: RMD $690,3002098: RMD $688,1632099: RMD $692,0452100: RMD $683,3232101: RMD $671,0642026: Roth conversion $02027: Roth conversion $02028: Roth conversion $02029: Roth conversion $02030: Roth conversion $02031: Roth conversion $02032: Roth conversion $02033: Roth conversion $02034: Roth conversion $02035: Roth conversion $02036: Roth conversion $02037: Roth conversion $02038: Roth conversion $02039: Roth conversion $02040: Roth conversion $02041: Roth conversion $02042: Roth conversion $02043: Roth conversion $02044: Roth conversion $02045: Roth conversion $02046: Roth conversion $02047: Roth conversion $02048: Roth conversion $02049: Roth conversion $02050: Roth conversion $02051: Roth conversion $02052: Roth conversion $02053: Roth conversion $02054: Roth conversion $02055: Roth conversion $02056: Roth conversion $02057: Roth conversion $02058: Roth conversion $02059: Roth conversion $02060: Roth conversion $02061: Roth conversion $02062: Roth conversion $02063: Roth conversion $02064: Roth conversion $02065: Roth conversion $02066: Roth conversion $02067: Roth conversion $02068: Roth conversion $02069: Roth conversion $02070: Roth conversion $02071: Roth conversion $02072: Roth conversion $02073: Roth conversion $02074: Roth conversion $02075: Roth conversion $02076: Roth conversion $02077: Roth conversion $02078: Roth conversion $02079: Roth conversion $02080: Roth conversion $02081: Roth conversion $02082: Roth conversion $02083: Roth conversion $02084: Roth conversion $02085: Roth conversion $02086: Roth conversion $02087: Roth conversion $02088: Roth conversion $02089: Roth conversion $02090: Roth conversion $02091: Roth conversion $02092: Roth conversion $02093: Roth conversion $02094: Roth conversion $02095: Roth conversion $02096: Roth conversion $02097: Roth conversion $02098: Roth conversion $02099: Roth conversion $02100: Roth conversion $02101: Roth conversion $0Age 24Age 99

Put in, withdraw & taxes by year
Adviser note · Put in, withdraw and taxes
Put in shows gross deposits to investment buckets; Withdraw shows gross cash drawn, including RMDs and tax funding. Both remain visible in mixed years; they are not netted. Deposits include reviewed employee/employer contributions, Roth deposits, invested cash surplus, cash-cap sweeps and reinvested resource income. Cash-buffer fill, investment growth and Roth conversions are excluded from Put in. Reserve withdrawals are shown separately as Cash; older retained results without this breakdown use Taxable / cash. Taxable surplus can include unspent income or mandatory withdrawals. A cash sweep is a transfer of existing assets, not new savings. Tax liability has a separate scale and is already funded by income/withdrawals; do not add it again. These are projected flows, not reported transactions.

● Pre-tax / 401(k)● Roth● Taxable investments● Cash

Put in ↑ solid · Withdraw ↓ dashed · Taxes shown separately

Gross bucket deposits above zero and withdrawals below zero-$692,045$0$243,666Age 242026 Pre-tax / 401(k) · Put in $24,5002027 Pre-tax / 401(k) · Put in $24,5002028 Pre-tax / 401(k) · Put in $24,5002029 Pre-tax / 401(k) · Put in $24,5002030 Pre-tax / 401(k) · Put in $24,5002031 Pre-tax / 401(k) · Put in $24,5002032 Pre-tax / 401(k) · Put in $24,5002033 Pre-tax / 401(k) · Put in $24,5002034 Pre-tax / 401(k) · Put in $24,5002035 Pre-tax / 401(k) · Put in $24,5002036 Pre-tax / 401(k) · Put in $24,5002037 Pre-tax / 401(k) · Put in $24,5002038 Pre-tax / 401(k) · Put in $24,5002039 Pre-tax / 401(k) · Put in $24,5002040 Pre-tax / 401(k) · Put in $24,5002041 Pre-tax / 401(k) · Put in $24,5002042 Pre-tax / 401(k) · Put in $24,5002043 Pre-tax / 401(k) · Put in $24,5002044 Pre-tax / 401(k) · Put in $24,5002045 Pre-tax / 401(k) · Put in $24,5002046 Pre-tax / 401(k) · Put in $24,5002047 Pre-tax / 401(k) · Put in $24,5002048 Pre-tax / 401(k) · Put in $24,5002049 Pre-tax / 401(k) · Put in $24,5002050 Pre-tax / 401(k) · Put in $24,5002051 Pre-tax / 401(k) · Put in $24,5002052 Pre-tax / 401(k) · Put in $24,5002053 Pre-tax / 401(k) · Put in $24,5002054 Pre-tax / 401(k) · Put in $24,5002055 Pre-tax / 401(k) · Put in $24,5002056 Pre-tax / 401(k) · Put in $24,5002057 Pre-tax / 401(k) · Put in $24,5002058 Pre-tax / 401(k) · Put in $24,5002059 Pre-tax / 401(k) · Put in $24,5002060 Pre-tax / 401(k) · Put in $24,5002061 Pre-tax / 401(k) · Put in $24,5002062 Pre-tax / 401(k) · Put in $02063 Pre-tax / 401(k) · Put in $02064 Pre-tax / 401(k) · Put in $02065 Pre-tax / 401(k) · Put in $02066 Pre-tax / 401(k) · Put in $02067 Pre-tax / 401(k) · Put in $02068 Pre-tax / 401(k) · Put in $02069 Pre-tax / 401(k) · Put in $02070 Pre-tax / 401(k) · Put in $02071 Pre-tax / 401(k) · Put in $02072 Pre-tax / 401(k) · Put in $02073 Pre-tax / 401(k) · Put in $02074 Pre-tax / 401(k) · Put in $02075 Pre-tax / 401(k) · Put in $02076 Pre-tax / 401(k) · Put in $02077 Pre-tax / 401(k) · Put in $02078 Pre-tax / 401(k) · Put in $02079 Pre-tax / 401(k) · Put in $02080 Pre-tax / 401(k) · Put in $02081 Pre-tax / 401(k) · Put in $02082 Pre-tax / 401(k) · Put in $02083 Pre-tax / 401(k) · Put in $02084 Pre-tax / 401(k) · Put in $02085 Pre-tax / 401(k) · Put in $02086 Pre-tax / 401(k) · Put in $02087 Pre-tax / 401(k) · Put in $02088 Pre-tax / 401(k) · Put in $02089 Pre-tax / 401(k) · Put in $02090 Pre-tax / 401(k) · Put in $02091 Pre-tax / 401(k) · Put in $02092 Pre-tax / 401(k) · Put in $02093 Pre-tax / 401(k) · Put in $02094 Pre-tax / 401(k) · Put in $02095 Pre-tax / 401(k) · Put in $02096 Pre-tax / 401(k) · Put in $02097 Pre-tax / 401(k) · Put in $02098 Pre-tax / 401(k) · Put in $02099 Pre-tax / 401(k) · Put in $02100 Pre-tax / 401(k) · Put in $02101 Pre-tax / 401(k) · Put in $02026 Pre-tax / 401(k) · Withdraw $02027 Pre-tax / 401(k) · Withdraw $02028 Pre-tax / 401(k) · Withdraw $02029 Pre-tax / 401(k) · Withdraw $02030 Pre-tax / 401(k) · Withdraw $02031 Pre-tax / 401(k) · Withdraw $02032 Pre-tax / 401(k) · Withdraw $02033 Pre-tax / 401(k) · Withdraw $02034 Pre-tax / 401(k) · Withdraw $02035 Pre-tax / 401(k) · Withdraw $02036 Pre-tax / 401(k) · Withdraw $02037 Pre-tax / 401(k) · Withdraw $02038 Pre-tax / 401(k) · Withdraw $02039 Pre-tax / 401(k) · Withdraw $02040 Pre-tax / 401(k) · Withdraw $02041 Pre-tax / 401(k) · Withdraw $02042 Pre-tax / 401(k) · Withdraw $02043 Pre-tax / 401(k) · Withdraw $02044 Pre-tax / 401(k) · Withdraw $02045 Pre-tax / 401(k) · Withdraw $02046 Pre-tax / 401(k) · Withdraw $02047 Pre-tax / 401(k) · Withdraw $02048 Pre-tax / 401(k) · Withdraw $02049 Pre-tax / 401(k) · Withdraw $02050 Pre-tax / 401(k) · Withdraw $02051 Pre-tax / 401(k) · Withdraw $02052 Pre-tax / 401(k) · Withdraw $02053 Pre-tax / 401(k) · Withdraw $02054 Pre-tax / 401(k) · Withdraw $02055 Pre-tax / 401(k) · Withdraw $02056 Pre-tax / 401(k) · Withdraw $02057 Pre-tax / 401(k) · Withdraw $02058 Pre-tax / 401(k) · Withdraw $02059 Pre-tax / 401(k) · Withdraw $02060 Pre-tax / 401(k) · Withdraw $02061 Pre-tax / 401(k) · Withdraw $02062 Pre-tax / 401(k) · Withdraw $02063 Pre-tax / 401(k) · Withdraw $02064 Pre-tax / 401(k) · Withdraw $02065 Pre-tax / 401(k) · Withdraw $02066 Pre-tax / 401(k) · Withdraw $02067 Pre-tax / 401(k) · Withdraw $02068 Pre-tax / 401(k) · Withdraw $02069 Pre-tax / 401(k) · Withdraw $02070 Pre-tax / 401(k) · Withdraw $02071 Pre-tax / 401(k) · Withdraw $02072 Pre-tax / 401(k) · Withdraw $02073 Pre-tax / 401(k) · Withdraw $02074 Pre-tax / 401(k) · Withdraw $02075 Pre-tax / 401(k) · Withdraw $02076 Pre-tax / 401(k) · Withdraw $02077 Pre-tax / 401(k) · Withdraw $301,3792078 Pre-tax / 401(k) · Withdraw $318,1142079 Pre-tax / 401(k) · Withdraw $334,2552080 Pre-tax / 401(k) · Withdraw $352,7002081 Pre-tax / 401(k) · Withdraw $372,0902082 Pre-tax / 401(k) · Withdraw $392,4632083 Pre-tax / 401(k) · Withdraw $411,7222084 Pre-tax / 401(k) · Withdraw $434,0672085 Pre-tax / 401(k) · Withdraw $454,9122086 Pre-tax / 401(k) · Withdraw $479,3362087 Pre-tax / 401(k) · Withdraw $501,7452088 Pre-tax / 401(k) · Withdraw $524,8522089 Pre-tax / 401(k) · Withdraw $548,6162090 Pre-tax / 401(k) · Withdraw $568,7982091 Pre-tax / 401(k) · Withdraw $593,5792092 Pre-tax / 401(k) · Withdraw $613,7212093 Pre-tax / 401(k) · Withdraw $633,5742094 Pre-tax / 401(k) · Withdraw $652,9332095 Pre-tax / 401(k) · Withdraw $671,5512096 Pre-tax / 401(k) · Withdraw $681,8722097 Pre-tax / 401(k) · Withdraw $690,3002098 Pre-tax / 401(k) · Withdraw $688,1632099 Pre-tax / 401(k) · Withdraw $692,0452100 Pre-tax / 401(k) · Withdraw $683,3232101 Pre-tax / 401(k) · Withdraw $671,0642026 Roth · Put in $7,5002027 Roth · Put in $7,5002028 Roth · Put in $7,5002029 Roth · Put in $7,5002030 Roth · Put in $7,5002031 Roth · Put in $7,5002032 Roth · Put in $7,5002033 Roth · Put in $7,1002034 Roth · Put in $4,8702035 Roth · Put in $2,5902036 Roth · Put in $2502037 Roth · Put in $02038 Roth · Put in $02039 Roth · Put in $02040 Roth · Put in $02041 Roth · Put in $02042 Roth · Put in $02043 Roth · Put in $02044 Roth · Put in $02045 Roth · Put in $02046 Roth · Put in $02047 Roth · Put in $02048 Roth · Put in $02049 Roth · Put in $02050 Roth · Put in $02051 Roth · Put in $02052 Roth · Put in $02053 Roth · Put in $02054 Roth · Put in $02055 Roth · Put in $02056 Roth · Put in $02057 Roth · Put in $02058 Roth · Put in $02059 Roth · Put in $02060 Roth · Put in $02061 Roth · Put in $02062 Roth · Put in $02063 Roth · Put in $02064 Roth · Put in $02065 Roth · Put in $02066 Roth · Put in $02067 Roth · Put in $02068 Roth · Put in $02069 Roth · Put in $02070 Roth · Put in $02071 Roth · Put in $02072 Roth · Put in $02073 Roth · Put in $02074 Roth · Put in $02075 Roth · Put in $02076 Roth · Put in $02077 Roth · Put in $02078 Roth · Put in $02079 Roth · Put in $02080 Roth · Put in $02081 Roth · Put in $02082 Roth · Put in $02083 Roth · Put in $02084 Roth · Put in $02085 Roth · Put in $02086 Roth · Put in $02087 Roth · Put in $02088 Roth · Put in $02089 Roth · Put in $02090 Roth · Put in $02091 Roth · Put in $02092 Roth · Put in $02093 Roth · Put in $02094 Roth · Put in $02095 Roth · Put in $02096 Roth · Put in $02097 Roth · Put in $02098 Roth · Put in $02099 Roth · Put in $02100 Roth · Put in $02101 Roth · Put in $02026 Taxable investments · Put in $27,6712027 Taxable investments · Put in $29,0162028 Taxable investments · Put in $30,3942029 Taxable investments · Put in $31,8072030 Taxable investments · Put in $33,2552031 Taxable investments · Put in $34,7402032 Taxable investments · Put in $36,2612033 Taxable investments · Put in $38,2212034 Taxable investments · Put in $42,0492035 Taxable investments · Put in $45,9682036 Taxable investments · Put in $49,9872037 Taxable investments · Put in $51,9582038 Taxable investments · Put in $53,7072039 Taxable investments · Put in $55,4712040 Taxable investments · Put in $57,2782041 Taxable investments · Put in $59,1302042 Taxable investments · Put in $61,0292043 Taxable investments · Put in $62,9752044 Taxable investments · Put in $64,9702045 Taxable investments · Put in $67,0152046 Taxable investments · Put in $69,1112047 Taxable investments · Put in $71,2592048 Taxable investments · Put in $73,4612049 Taxable investments · Put in $75,7182050 Taxable investments · Put in $78,0312051 Taxable investments · Put in $80,4032052 Taxable investments · Put in $82,8332053 Taxable investments · Put in $85,3252054 Taxable investments · Put in $87,8782055 Taxable investments · Put in $90,4962056 Taxable investments · Put in $93,1792057 Taxable investments · Put in $95,9292058 Taxable investments · Put in $98,7472059 Taxable investments · Put in $101,6362060 Taxable investments · Put in $104,5982061 Taxable investments · Put in $107,6332062 Taxable investments · Put in $02063 Taxable investments · Put in $02064 Taxable investments · Put in $02065 Taxable investments · Put in $02066 Taxable investments · Put in $02067 Taxable investments · Put in $02068 Taxable investments · Put in $02069 Taxable investments · Put in $02070 Taxable investments · Put in $02071 Taxable investments · Put in $02072 Taxable investments · Put in $02073 Taxable investments · Put in $02074 Taxable investments · Put in $02075 Taxable investments · Put in $02076 Taxable investments · Put in $02077 Taxable investments · Put in $39,8022078 Taxable investments · Put in $63,3482079 Taxable investments · Put in $71,3192080 Taxable investments · Put in $80,9712081 Taxable investments · Put in $91,2422082 Taxable investments · Put in $102,1582083 Taxable investments · Put in $112,0812084 Taxable investments · Put in $124,2832085 Taxable investments · Put in $135,1852086 Taxable investments · Put in $148,7452087 Taxable investments · Put in $160,5952088 Taxable investments · Put in $172,8492089 Taxable investments · Put in $185,4722090 Taxable investments · Put in $195,1532091 Taxable investments · Put in $208,2692092 Taxable investments · Put in $217,6122093 Taxable investments · Put in $226,5702094 Taxable investments · Put in $234,9802095 Taxable investments · Put in $242,5992096 Taxable investments · Put in $243,6662097 Taxable investments · Put in $243,0342098 Taxable investments · Put in $233,9832099 Taxable investments · Put in $229,4412100 Taxable investments · Put in $214,8792101 Taxable investments · Put in $197,3642026 Taxable investments · Withdraw $02027 Taxable investments · Withdraw $02028 Taxable investments · Withdraw $02029 Taxable investments · Withdraw $02030 Taxable investments · Withdraw $02031 Taxable investments · Withdraw $02032 Taxable investments · Withdraw $02033 Taxable investments · Withdraw $02034 Taxable investments · Withdraw $02035 Taxable investments · Withdraw $02036 Taxable investments · Withdraw $02037 Taxable investments · Withdraw $02038 Taxable investments · Withdraw $02039 Taxable investments · Withdraw $02040 Taxable investments · Withdraw $02041 Taxable investments · Withdraw $02042 Taxable investments · Withdraw $02043 Taxable investments · Withdraw $02044 Taxable investments · Withdraw $02045 Taxable investments · Withdraw $02046 Taxable investments · Withdraw $02047 Taxable investments · Withdraw $02048 Taxable investments · Withdraw $02049 Taxable investments · Withdraw $02050 Taxable investments · Withdraw $02051 Taxable investments · Withdraw $02052 Taxable investments · Withdraw $02053 Taxable investments · Withdraw $02054 Taxable investments · Withdraw $02055 Taxable investments · Withdraw $02056 Taxable investments · Withdraw $02057 Taxable investments · Withdraw $02058 Taxable investments · Withdraw $02059 Taxable investments · Withdraw $02060 Taxable investments · Withdraw $02061 Taxable investments · Withdraw $02062 Taxable investments · Withdraw $130,9522063 Taxable investments · Withdraw $149,6012064 Taxable investments · Withdraw $153,3412065 Taxable investments · Withdraw $157,1742066 Taxable investments · Withdraw $161,1042067 Taxable investments · Withdraw $165,1312068 Taxable investments · Withdraw $169,2602069 Taxable investments · Withdraw $173,4912070 Taxable investments · Withdraw $177,8282071 Taxable investments · Withdraw $182,2742072 Taxable investments · Withdraw $186,8312073 Taxable investments · Withdraw $191,5022074 Taxable investments · Withdraw $196,2892075 Taxable investments · Withdraw $201,1972076 Taxable investments · Withdraw $206,2272077 Taxable investments · Withdraw $02078 Taxable investments · Withdraw $02079 Taxable investments · Withdraw $02080 Taxable investments · Withdraw $02081 Taxable investments · Withdraw $02082 Taxable investments · Withdraw $02083 Taxable investments · Withdraw $02084 Taxable investments · Withdraw $02085 Taxable investments · Withdraw $02086 Taxable investments · Withdraw $02087 Taxable investments · Withdraw $02088 Taxable investments · Withdraw $02089 Taxable investments · Withdraw $02090 Taxable investments · Withdraw $02091 Taxable investments · Withdraw $02092 Taxable investments · Withdraw $02093 Taxable investments · Withdraw $02094 Taxable investments · Withdraw $02095 Taxable investments · Withdraw $02096 Taxable investments · Withdraw $02097 Taxable investments · Withdraw $02098 Taxable investments · Withdraw $02099 Taxable investments · Withdraw $02100 Taxable investments · Withdraw $02101 Taxable investments · Withdraw $02026 Cash · Withdraw $02027 Cash · Withdraw $02028 Cash · Withdraw $02029 Cash · Withdraw $02030 Cash · Withdraw $02031 Cash · Withdraw $02032 Cash · Withdraw $02033 Cash · Withdraw $02034 Cash · Withdraw $02035 Cash · Withdraw $02036 Cash · Withdraw $02037 Cash · Withdraw $02038 Cash · Withdraw $02039 Cash · Withdraw $02040 Cash · Withdraw $02041 Cash · Withdraw $02042 Cash · Withdraw $02043 Cash · Withdraw $02044 Cash · Withdraw $02045 Cash · Withdraw $02046 Cash · Withdraw $02047 Cash · Withdraw $02048 Cash · Withdraw $02049 Cash · Withdraw $02050 Cash · Withdraw $02051 Cash · Withdraw $02052 Cash · Withdraw $02053 Cash · Withdraw $02054 Cash · Withdraw $02055 Cash · Withdraw $02056 Cash · Withdraw $02057 Cash · Withdraw $02058 Cash · Withdraw $02059 Cash · Withdraw $02060 Cash · Withdraw $02061 Cash · Withdraw $02062 Cash · Withdraw $15,0002063 Cash · Withdraw $02064 Cash · Withdraw $02065 Cash · Withdraw $02066 Cash · Withdraw $02067 Cash · Withdraw $02068 Cash · Withdraw $02069 Cash · Withdraw $02070 Cash · Withdraw $02071 Cash · Withdraw $02072 Cash · Withdraw $02073 Cash · Withdraw $02074 Cash · Withdraw $02075 Cash · Withdraw $02076 Cash · Withdraw $02077 Cash · Withdraw $02078 Cash · Withdraw $02079 Cash · Withdraw $02080 Cash · Withdraw $02081 Cash · Withdraw $02082 Cash · Withdraw $02083 Cash · Withdraw $02084 Cash · Withdraw $02085 Cash · Withdraw $02086 Cash · Withdraw $02087 Cash · Withdraw $02088 Cash · Withdraw $02089 Cash · Withdraw $02090 Cash · Withdraw $02091 Cash · Withdraw $02092 Cash · Withdraw $02093 Cash · Withdraw $02094 Cash · Withdraw $02095 Cash · Withdraw $02096 Cash · Withdraw $02097 Cash · Withdraw $02098 Cash · Withdraw $02099 Cash · Withdraw $02100 Cash · Withdraw $02101 Cash · Withdraw $0Age 24Age 99

Estimated taxes · separate scale

Estimated tax liability, not additional withdrawals$0$100,8912026 Taxes $18,8542027 Taxes $19,4722028 Taxes $20,1062029 Taxes $20,7562030 Taxes $21,4222031 Taxes $22,1042032 Taxes $22,8042033 Taxes $23,5212034 Taxes $24,2562035 Taxes $25,0092036 Taxes $25,7822037 Taxes $26,5732038 Taxes $27,4002039 Taxes $28,2772040 Taxes $29,1762041 Taxes $30,0972042 Taxes $31,0422043 Taxes $32,0102044 Taxes $33,0022045 Taxes $34,0192046 Taxes $35,0622047 Taxes $36,1302048 Taxes $37,2252049 Taxes $38,3482050 Taxes $39,4992051 Taxes $40,6782052 Taxes $41,8872053 Taxes $43,1262054 Taxes $44,3972055 Taxes $45,6982056 Taxes $47,0332057 Taxes $48,4012058 Taxes $49,8032059 Taxes $51,2402060 Taxes $52,7132061 Taxes $54,2232062 Taxes $02063 Taxes $02064 Taxes $02065 Taxes $02066 Taxes $02067 Taxes $02068 Taxes $02069 Taxes $02070 Taxes $02071 Taxes $02072 Taxes $02073 Taxes $02074 Taxes $02075 Taxes $02076 Taxes $02077 Taxes $35,1952078 Taxes $38,0992079 Taxes $40,8532080 Taxes $44,0942081 Taxes $47,5222082 Taxes $51,1462083 Taxes $54,5032084 Taxes $58,5172085 Taxes $62,1782086 Taxes $66,6042087 Taxes $70,5622088 Taxes $74,6502089 Taxes $78,8582090 Taxes $82,2522091 Taxes $86,6322092 Taxes $89,9642093 Taxes $93,2062094 Taxes $96,3102095 Taxes $99,2692096 Taxes $100,2802097 Taxes $100,8912098 Taxes $99,1472099 Taxes $98,6952100 Taxes $95,4372101 Taxes $91,367Age 24Age 99

Annual taxes and spending

Adviser note · Annual taxes and spending explanation
Review the engine’s annual tax, RMD, conversion and spending values across the entire projection.
Model assumptions
Adviser note · Assumptions and model limits

Closing balances are gross of latent account taxes. Smooth returns are assumptions, not a safe-spending limit or probability of success.

  • Preset amounts and assumptions are editable illustrations, not estimates of a typical household.
  • Returns, inflation, spending and tax buckets are assumptions specified in this packet.
  • Absent birth dates and residence remain missing inputs. Social Security and other income are included only when explicitly supplied.
  • Anonymous hypothetical inputs are not reported holdings, accepted evidence, an approved plan, legal family ownership or executed activity.
  • Hypothetical pay is fixed nominal unless inflation growth is selected. Automatic employee-pay estimates deduct basic Social Security/Medicare payroll tax and entered pre-tax contributions; income-tax withholding is assumed zero and actual supported income-tax liability is calculated separately. Health insurance, employer matches, benefits and other deductions are not inferred. Later payroll wage caps beyond verified 2027 use assumed inflation. Manual pay overrides remain explicit. Explicit pre-tax 401(k) deposits are added once; explicit Roth deposits consume take-home cash once. Hypothetical employee pre-tax 401(k) limits use verified 2026 rules with disclosed future assumptions; Direct Roth IRA funding uses modeled annual MAGI eligibility and the 2026 IRA limit, held nominal later. Payroll Roth and conversions retain separate treatment; plan eligibility and outside IRA contributions remain unverified. Existing engine funds spending and modeled income taxes first, reinvesting only surplus in its taxable destination. 2026 Single/MFJ base-deduction tax components follow the selected projection status; age/blind and enhanced senior deductions, dependents and credits are omitted.
  • Simple state bracket estimate: federal AGI less federally taxable Social Security, then a basic state deduction. Wages, taxable IRA/401(k) withdrawals, Roth conversions, interest, dividends and gains otherwise use ordinary brackets. No owner/source questionnaire is required. Credits, age/dependent exemptions, retirement exclusions, deduction phaseouts, most special gain treatment and local taxes are omitted. Some amounts are disclosed parameter proxies. Thresholds stay nominal after the latest included enacted schedule; this is a planning assumption, not a complete return or verified future indexing. Washington separately models its securities-gain excise and enacted 2028 income-tax interaction. Refine with detailed planning when these differences matter.
  • TX: simple-TX-2026-brackets-v1; approximate state-tax planning components.
  • Dated funding uses smooth daily cash within active dates, monthly/event boundaries and uniformly allocated canonical annual estimated income tax. RMD cash is available evenly through its modeled year. Missing actual paydays and tax-payment dates are assumptions. Earlier unfunded periods remain gaps even when later income or access is available. Retirement and age 59½ are model gates, not verified legal eligibility; plan restrictions and early-access exceptions are not inferred. Aggregate Roth is excluded unless qualified access is explicitly assumed; contribution basis, five-year histories and workplace subtype are not known.
  • Direct Roth IRA deposits use estimated annual Roth-IRA MAGI, including taxable wages after pre-tax deferrals, resources, realized gains and taxable Social Security, excluding modeled Roth conversions. Unrepresented IRA/student-loan deductions, foreign earned/housing exclusions, adoption/savings-bond exclusions and outside IRA contributions are not inferred. The simple model assumes none; review them in the signed-in workspace. Verified 2026 IRA dollar limits and MAGI bands stay nominal in future years, not published future IRS amounts. Disallowed deposits remain available cash for existing spending, taxes and surplus routing; no backdoor conversion or workplace Roth deposit is created. Payroll Roth and conversions are separate.
  • Simplified taxable investment sales assume 50% of proceeds are long-term gains and the remainder is assumed return of capital, not verified cost basis. Cash realizes no gain. Retained initial basis and detailed lot settings are not used or changed by this mode. The existing tax engine applies income, deductions, gain brackets and NIIT; this percentage is not a tax rate.
  • Owner 1 2027: requested pre-tax 401(k) 2511250 cents; applied 2450000 cents under the modeled 2450000-cent employee cap. Inputs are retained; excess affects pay cash under its declared basis. Limits after 2026 are fixed-2026 planning assumptions; catch-up eligibility and other employer/employee deferrals require review. Roth IRA is separate and not a substitute for Roth 401(k) catch-up.
  • Owner 1 2028: requested pre-tax 401(k) 2574031 cents; applied 2450000 cents under the modeled 2450000-cent employee cap. Inputs are retained; excess affects pay cash under its declared basis. Limits after 2026 are fixed-2026 planning assumptions; catch-up eligibility and other employer/employee deferrals require review. Roth IRA is separate and not a substitute for Roth 401(k) catch-up.
  • Owner 1 2029: requested pre-tax 401(k) 2638382 cents; applied 2450000 cents under the modeled 2450000-cent employee cap. Inputs are retained; excess affects pay cash under its declared basis. Limits after 2026 are fixed-2026 planning assumptions; catch-up eligibility and other employer/employee deferrals require review. Roth IRA is separate and not a substitute for Roth 401(k) catch-up.
  • Owner 1 2030: requested pre-tax 401(k) 2704342 cents; applied 2450000 cents under the modeled 2450000-cent employee cap. Inputs are retained; excess affects pay cash under its declared basis. Limits after 2026 are fixed-2026 planning assumptions; catch-up eligibility and other employer/employee deferrals require review. Roth IRA is separate and not a substitute for Roth 401(k) catch-up.
  • Owner 1 2031: requested pre-tax 401(k) 2771950 cents; applied 2450000 cents under the modeled 2450000-cent employee cap. Inputs are retained; excess affects pay cash under its declared basis. Limits after 2026 are fixed-2026 planning assumptions; catch-up eligibility and other employer/employee deferrals require review. Roth IRA is separate and not a substitute for Roth 401(k) catch-up.
  • Owner 1 2032: requested pre-tax 401(k) 2841249 cents; applied 2450000 cents under the modeled 2450000-cent employee cap. Inputs are retained; excess affects pay cash under its declared basis. Limits after 2026 are fixed-2026 planning assumptions; catch-up eligibility and other employer/employee deferrals require review. Roth IRA is separate and not a substitute for Roth 401(k) catch-up.
  • Owner 1 2033: requested pre-tax 401(k) 2912280 cents; applied 2450000 cents under the modeled 2450000-cent employee cap. Inputs are retained; excess affects pay cash under its declared basis. Limits after 2026 are fixed-2026 planning assumptions; catch-up eligibility and other employer/employee deferrals require review. Roth IRA is separate and not a substitute for Roth 401(k) catch-up.
  • Owner 1 2034: requested pre-tax 401(k) 2985087 cents; applied 2450000 cents under the modeled 2450000-cent employee cap. Inputs are retained; excess affects pay cash under its declared basis. Limits after 2026 are fixed-2026 planning assumptions; catch-up eligibility and other employer/employee deferrals require review. Roth IRA is separate and not a substitute for Roth 401(k) catch-up.
  • Owner 1 2035: requested pre-tax 401(k) 3059714 cents; applied 2450000 cents under the modeled 2450000-cent employee cap. Inputs are retained; excess affects pay cash under its declared basis. Limits after 2026 are fixed-2026 planning assumptions; catch-up eligibility and other employer/employee deferrals require review. Roth IRA is separate and not a substitute for Roth 401(k) catch-up.
  • Owner 1 2036: requested pre-tax 401(k) 3136207 cents; applied 2450000 cents under the modeled 2450000-cent employee cap. Inputs are retained; excess affects pay cash under its declared basis. Limits after 2026 are fixed-2026 planning assumptions; catch-up eligibility and other employer/employee deferrals require review. Roth IRA is separate and not a substitute for Roth 401(k) catch-up.
  • Owner 1 2037: requested pre-tax 401(k) 3214612 cents; applied 2450000 cents under the modeled 2450000-cent employee cap. Inputs are retained; excess affects pay cash under its declared basis. Limits after 2026 are fixed-2026 planning assumptions; catch-up eligibility and other employer/employee deferrals require review. Roth IRA is separate and not a substitute for Roth 401(k) catch-up.
  • Owner 1 2038: requested pre-tax 401(k) 3294978 cents; applied 2450000 cents under the modeled 2450000-cent employee cap. Inputs are retained; excess affects pay cash under its declared basis. Limits after 2026 are fixed-2026 planning assumptions; catch-up eligibility and other employer/employee deferrals require review. Roth IRA is separate and not a substitute for Roth 401(k) catch-up.
  • Owner 1 2039: requested pre-tax 401(k) 3377352 cents; applied 2450000 cents under the modeled 2450000-cent employee cap. Inputs are retained; excess affects pay cash under its declared basis. Limits after 2026 are fixed-2026 planning assumptions; catch-up eligibility and other employer/employee deferrals require review. Roth IRA is separate and not a substitute for Roth 401(k) catch-up.
  • Owner 1 2040: requested pre-tax 401(k) 3461786 cents; applied 2450000 cents under the modeled 2450000-cent employee cap. Inputs are retained; excess affects pay cash under its declared basis. Limits after 2026 are fixed-2026 planning assumptions; catch-up eligibility and other employer/employee deferrals require review. Roth IRA is separate and not a substitute for Roth 401(k) catch-up.
  • Owner 1 2041: requested pre-tax 401(k) 3548331 cents; applied 2450000 cents under the modeled 2450000-cent employee cap. Inputs are retained; excess affects pay cash under its declared basis. Limits after 2026 are fixed-2026 planning assumptions; catch-up eligibility and other employer/employee deferrals require review. Roth IRA is separate and not a substitute for Roth 401(k) catch-up.
  • Owner 1 2042: requested pre-tax 401(k) 3637039 cents; applied 2450000 cents under the modeled 2450000-cent employee cap. Inputs are retained; excess affects pay cash under its declared basis. Limits after 2026 are fixed-2026 planning assumptions; catch-up eligibility and other employer/employee deferrals require review. Roth IRA is separate and not a substitute for Roth 401(k) catch-up.
  • Owner 1 2043: requested pre-tax 401(k) 3727965 cents; applied 2450000 cents under the modeled 2450000-cent employee cap. Inputs are retained; excess affects pay cash under its declared basis. Limits after 2026 are fixed-2026 planning assumptions; catch-up eligibility and other employer/employee deferrals require review. Roth IRA is separate and not a substitute for Roth 401(k) catch-up.
  • Owner 1 2044: requested pre-tax 401(k) 3821164 cents; applied 2450000 cents under the modeled 2450000-cent employee cap. Inputs are retained; excess affects pay cash under its declared basis. Limits after 2026 are fixed-2026 planning assumptions; catch-up eligibility and other employer/employee deferrals require review. Roth IRA is separate and not a substitute for Roth 401(k) catch-up.
  • Owner 1 2045: requested pre-tax 401(k) 3916693 cents; applied 2450000 cents under the modeled 2450000-cent employee cap. Inputs are retained; excess affects pay cash under its declared basis. Limits after 2026 are fixed-2026 planning assumptions; catch-up eligibility and other employer/employee deferrals require review. Roth IRA is separate and not a substitute for Roth 401(k) catch-up.
  • Owner 1 2046: requested pre-tax 401(k) 4014610 cents; applied 2450000 cents under the modeled 2450000-cent employee cap. Inputs are retained; excess affects pay cash under its declared basis. Limits after 2026 are fixed-2026 planning assumptions; catch-up eligibility and other employer/employee deferrals require review. Roth IRA is separate and not a substitute for Roth 401(k) catch-up.
  • Owner 1 2047: requested pre-tax 401(k) 4114976 cents; applied 2450000 cents under the modeled 2450000-cent employee cap. Inputs are retained; excess affects pay cash under its declared basis. Limits after 2026 are fixed-2026 planning assumptions; catch-up eligibility and other employer/employee deferrals require review. Roth IRA is separate and not a substitute for Roth 401(k) catch-up.
  • Owner 1 2048: requested pre-tax 401(k) 4217850 cents; applied 2450000 cents under the modeled 2450000-cent employee cap. Inputs are retained; excess affects pay cash under its declared basis. Limits after 2026 are fixed-2026 planning assumptions; catch-up eligibility and other employer/employee deferrals require review. Roth IRA is separate and not a substitute for Roth 401(k) catch-up.
  • Owner 1 2049: requested pre-tax 401(k) 4323296 cents; applied 2450000 cents under the modeled 2450000-cent employee cap. Inputs are retained; excess affects pay cash under its declared basis. Limits after 2026 are fixed-2026 planning assumptions; catch-up eligibility and other employer/employee deferrals require review. Roth IRA is separate and not a substitute for Roth 401(k) catch-up.
  • Owner 1 2050: requested pre-tax 401(k) 4431379 cents; applied 2450000 cents under the modeled 2450000-cent employee cap. Inputs are retained; excess affects pay cash under its declared basis. Limits after 2026 are fixed-2026 planning assumptions; catch-up eligibility and other employer/employee deferrals require review. Roth IRA is separate and not a substitute for Roth 401(k) catch-up.
  • Owner 1 2051: requested pre-tax 401(k) 4542163 cents; applied 2450000 cents under the modeled 2450000-cent employee cap. Inputs are retained; excess affects pay cash under its declared basis. Limits after 2026 are fixed-2026 planning assumptions; catch-up eligibility and other employer/employee deferrals require review. Roth IRA is separate and not a substitute for Roth 401(k) catch-up.
  • Owner 1 2052: requested pre-tax 401(k) 4655717 cents; applied 2450000 cents under the modeled 2450000-cent employee cap. Inputs are retained; excess affects pay cash under its declared basis. Limits after 2026 are fixed-2026 planning assumptions; catch-up eligibility and other employer/employee deferrals require review. Roth IRA is separate and not a substitute for Roth 401(k) catch-up.
  • Owner 1 2053: requested pre-tax 401(k) 4772110 cents; applied 2450000 cents under the modeled 2450000-cent employee cap. Inputs are retained; excess affects pay cash under its declared basis. Limits after 2026 are fixed-2026 planning assumptions; catch-up eligibility and other employer/employee deferrals require review. Roth IRA is separate and not a substitute for Roth 401(k) catch-up.
  • Owner 1 2054: requested pre-tax 401(k) 4891413 cents; applied 2450000 cents under the modeled 2450000-cent employee cap. Inputs are retained; excess affects pay cash under its declared basis. Limits after 2026 are fixed-2026 planning assumptions; catch-up eligibility and other employer/employee deferrals require review. Roth IRA is separate and not a substitute for Roth 401(k) catch-up.
  • Owner 1 2055: requested pre-tax 401(k) 5013698 cents; applied 2450000 cents under the modeled 2450000-cent employee cap. Inputs are retained; excess affects pay cash under its declared basis. Limits after 2026 are fixed-2026 planning assumptions; catch-up eligibility and other employer/employee deferrals require review. Roth IRA is separate and not a substitute for Roth 401(k) catch-up.
  • Owner 1 2056: requested pre-tax 401(k) 5139041 cents; applied 2450000 cents under the modeled 2450000-cent employee cap. Inputs are retained; excess affects pay cash under its declared basis. Limits after 2026 are fixed-2026 planning assumptions; catch-up eligibility and other employer/employee deferrals require review. Roth IRA is separate and not a substitute for Roth 401(k) catch-up.
  • Owner 1 2057: requested pre-tax 401(k) 5267517 cents; applied 2450000 cents under the modeled 2450000-cent employee cap. Inputs are retained; excess affects pay cash under its declared basis. Limits after 2026 are fixed-2026 planning assumptions; catch-up eligibility and other employer/employee deferrals require review. Roth IRA is separate and not a substitute for Roth 401(k) catch-up.
  • Owner 1 2058: requested pre-tax 401(k) 5399204 cents; applied 2450000 cents under the modeled 2450000-cent employee cap. Inputs are retained; excess affects pay cash under its declared basis. Limits after 2026 are fixed-2026 planning assumptions; catch-up eligibility and other employer/employee deferrals require review. Roth IRA is separate and not a substitute for Roth 401(k) catch-up.
  • Owner 1 2059: requested pre-tax 401(k) 5534185 cents; applied 2450000 cents under the modeled 2450000-cent employee cap. Inputs are retained; excess affects pay cash under its declared basis. Limits after 2026 are fixed-2026 planning assumptions; catch-up eligibility and other employer/employee deferrals require review. Roth IRA is separate and not a substitute for Roth 401(k) catch-up.
  • Owner 1 2060: requested pre-tax 401(k) 5672539 cents; applied 2450000 cents under the modeled 2450000-cent employee cap. Inputs are retained; excess affects pay cash under its declared basis. Limits after 2026 are fixed-2026 planning assumptions; catch-up eligibility and other employer/employee deferrals require review. Roth IRA is separate and not a substitute for Roth 401(k) catch-up.
  • Owner 1 2061: requested pre-tax 401(k) 5814353 cents; applied 2450000 cents under the modeled 2450000-cent employee cap. Inputs are retained; excess affects pay cash under its declared basis. Limits after 2026 are fixed-2026 planning assumptions; catch-up eligibility and other employer/employee deferrals require review. Roth IRA is separate and not a substitute for Roth 401(k) catch-up.
  • Deterministic what-if, not a market forecast, calibrated success probability or optimized advice. Returns are assumptions; early-loss tests are specific paths.
  • 2026 Single basic federal components and the selected planning residence; state rule sources, coverage and future-year assumptions are reported separately; base standard deduction with an optional reviewed enhanced senior deduction through2028; no age/blind standard-deduction additions, credits or dependent additions; future thresholds are assumptions. No survivor filing status, estate tax, tax-lot optimization, other income or penalties. Explicit Social Security estimates increase with assumed inflation, not a promised COLA; benefit-month cash is approximate. Healthcare/giving allocations fit inside the budget. Medicare uses age-65 birth months and two-year modeled MAGI; absent pre-horizon MAGI leaves IRMAA unknown. Reserve includes Medicare estimates rather than charging them twice; other coverage and out-of-pocket costs remain estimates.
  • Aggregate Roth withdrawals are excluded unless the owner explicitly assumes qualification after the modeled access date. Conversion eligibility is not verified. RMD uses owner age and Uniform Lifetime factors.
  • Family link is a hypothetical planning carve-out, not an actual legal ownership change or estate-tax exclusion. No ownership shares invented. Reported personal accounts remain unchanged.
  • Explicit pre-tax spending is owner-specific, inflation-adjusted and includes mandatory distributions rather than adding them twice. Optional conversion cutoff uses each owner RMD start year. An explicit securities gain percentage is a scenario assumption; spending cash realizes no gain.
  • Taxable growth assumed unrealized; ongoing dividends, capital-loss deductions and turnover taxes are omitted. Personal fees are omitted; linked family fee is explicit. Ending personal wealth is gross of latent pre-tax and capital-gain taxes.

Checking sign-in before saved-scenario actions…

WUDI Finance

Educational estimates only. Not personalized financial or tax advice. Projections are not guarantees.

Full disclaimer

Results depend on your inputs and assumptions. Smooth returns are not a safe-spending limit or probability of success. Taxes are estimates, not complete tax preparation; wealth is before latent account taxes. WUDI Finance does not execute trades, payments or account movements. Inputs remain in this browser until you explicitly save.