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Explore what your household can do

Start with one approximate total. The result is temporary and separate from imported accounts and approved plans.

Your editable what-if

Explore your future

Household financial assets ($)

Pre-tax assets ($)

Roth assets ($)

Personal taxable assets ($)

Taxable edits keep the household total fixed and adjust pre-tax assets. The family fund is shown separately below.

Taxable cost basis ($)

Family fund allocation ($)

Remaining taxable assets: $300,000. The family fund is money set aside from taxable assets as a shared safety net for tuition, emergencies, ventures and other family goals. It stays outside personal spending in this illustration, reserved for decisions the family makes together. This allocation does not create a legal trust.

Planning state

Spending and taxes

Withdrawal order

Pay conversion tax from

Pay spending tax from

Existing income and required distributions fund spending first. Tax funding choices apply to additional cash needed. Conversion tax is the incremental modeled tax from conversions and their tax-funding withdrawals. If a selected tax bucket runs out, remaining tax follows the withdrawal order; family assets stay protected. Spending includes taxes or adds taxes according to your choice above.

Mandatory distributions still apply. Taxable withdrawals use cost basis to estimate realized gains; pre-tax withdrawals and Roth conversions contribute to modeled taxable income.

Owner 1 annual Roth conversion ($)

Conversion years

Set conversions to $0 to turn them off. A positive amount starts a 10-year schedule if no duration is set; an existing duration is preserved. Converted principal stays invested in Roth; its modeled tax is paid from the spending budget or added to withdrawals according to your tax choice.

Annual spending ($)

Annual return (%)

Inflation (%)

Owner 1 age (approximate)

Plan through first owner age

Age uses the projection year 2026. Editing age sets an approximate January 1 birth date; other owners and accounts are preserved. Projection length: 40 years.

Spending is an all-in annual budget, including modeled taxes. Annual overrides and advanced strategy instructions, when supplied, still apply.

Starting personal assets$1,000,000

Current withdrawal percentage4.00%

Show family fund separately

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

Projection values

Future dollars; family fund balance is separate
Year / point	Approx. age	Personal total	Pre-tax	Roth	Personal taxable
2026 opening	55	$1,000,000	$600,000	$100,000	$300,000
2027 closing	56	$1,008,000	$630,000	$105,000	$273,000
2028 closing	57	$1,015,350	$661,500	$110,250	$243,600
2029 closing	58	$1,021,991	$694,575	$115,763	$211,654
2030 closing	59	$1,027,861	$729,304	$121,551	$177,007
2031 closing	60	$1,032,894	$765,769	$127,628	$139,497
2032 closing	61	$1,037,020	$804,057	$134,010	$98,953
2033 closing	62	$1,040,164	$844,260	$140,710	$55,193
2034 closing	63	$1,042,247	$886,473	$147,746	$8,028
2035 closing	64	$1,043,187	$888,054	$155,133	$0
2036 closing	65	$1,042,894	$880,004	$162,889	$0
2037 closing	66	$1,041,275	$870,241	$171,034	$0
2038 closing	67	$1,038,231	$858,645	$179,586	$0
2039 closing	68	$1,033,657	$845,092	$188,565	$0
2040 closing	69	$1,027,443	$829,449	$197,993	$0
2041 closing	70	$1,019,470	$811,577	$207,893	$0
2042 closing	71	$1,009,615	$791,327	$218,287	$0
2043 closing	72	$997,746	$768,544	$229,202	$0
2044 closing	73	$983,726	$743,064	$240,662	$0
2045 closing	74	$967,406	$714,711	$252,695	$0
2046 closing	75	$948,633	$683,303	$265,330	$0
2047 closing	76	$927,243	$648,647	$278,596	$0
2048 closing	77	$903,063	$610,537	$292,526	$0
2049 closing	78	$875,910	$568,757	$307,152	$0
2050 closing	79	$845,592	$523,082	$322,510	$0
2051 closing	80	$811,905	$473,269	$338,636	$0
2052 closing	81	$774,634	$419,067	$355,567	$0
2053 closing	82	$733,554	$360,208	$373,346	$0
2054 closing	83	$688,424	$296,411	$392,013	$0
2055 closing	84	$638,992	$227,379	$411,614	$0
2056 closing	85	$584,993	$152,799	$432,194	$0
2057 closing	86	$526,145	$72,341	$453,804	$0
2058 closing	87	$462,151	$0	$462,151	$0
2059 closing	88	$392,701	$0	$392,701	$0
2060 closing	89	$317,465	$0	$317,465	$0
2061 closing	90	$236,094	$0	$236,094	$0
2062 closing	91	$148,224	$0	$148,224	$0
2063 closing	92	$53,469	$0	$53,469	$0
2064 closing	93	$0	$0	$0	$0
2065 closing	94	$0	$0	$0	$0
2066 closing	95	$0	$0	$0	$0

RMDs and Roth conversions by year

First modeled RMD: 2046 ($27,777 in future dollars). RMDs use eligible owners’ prior-year pre-tax balances and are taken before conversions.

● RMD● Roth conversion

Future dollars. Actual modeled conversions can be lower than your requested amount when pre-tax assets run out.

Withdrawals and taxes by year

Cash withdrawn from each account bucket, including RMDs and tax-funding withdrawals. Roth conversion principal is shown separately above. Taxes are part of the use of withdrawn cash, not an additional withdrawal series to add to the three buckets; income can also fund them.

● Pre-tax withdrawals● Roth withdrawals● Taxable withdrawals● Taxes

Future dollars. Taxes reflect the shared engine’s estimated federal and state liability.

Annual taxes and spending

Future dollars by projection year
Year	Federal tax	State tax	Total tax	RMD	Roth conversion	Spending after taxes
2026	$0	$0	$0	$0	$0	$40,000
2027	$0	$0	$0	$0	$0	$41,000
2028	$0	$0	$0	$0	$0	$42,025
2029	$0	$0	$0	$0	$0	$43,076
2030	$0	$0	$0	$0	$0	$44,153
2031	$0	$0	$0	$0	$0	$45,256
2032	$0	$0	$0	$0	$0	$46,388
2033	$0	$0	$0	$0	$0	$47,547
2034	$148	$0	$148	$0	$0	$48,589
2035	$974	$0	$974	$0	$0	$48,980
2036	$998	$0	$998	$0	$0	$50,205
2037	$1,023	$0	$1,023	$0	$0	$51,460
2038	$1,049	$0	$1,049	$0	$0	$52,747
2039	$1,075	$0	$1,075	$0	$0	$54,065
2040	$1,102	$0	$1,102	$0	$0	$55,417
2041	$1,130	$0	$1,130	$0	$0	$56,802
2042	$1,158	$0	$1,158	$0	$0	$58,222
2043	$1,187	$0	$1,187	$0	$0	$59,678
2044	$1,217	$0	$1,217	$0	$0	$61,170
2045	$1,247	$0	$1,247	$0	$0	$62,699
2046	$1,278	$0	$1,278	$27,777	$0	$64,267
2047	$1,310	$0	$1,310	$27,369	$0	$65,873
2048	$1,343	$0	$1,343	$26,661	$0	$67,520
2049	$1,376	$0	$1,376	$25,853	$0	$69,208
2050	$1,411	$0	$1,411	$24,791	$0	$70,938
2051	$1,446	$0	$1,446	$23,429	$0	$72,712
2052	$1,482	$0	$1,482	$21,601	$0	$74,529
2053	$1,519	$0	$1,519	$19,471	$0	$76,393
2054	$1,557	$0	$1,557	$16,746	$0	$78,303
2055	$1,596	$0	$1,596	$13,534	$0	$80,260
2056	$1,636	$0	$1,636	$9,550	$0	$82,267
2057	$311	$0	$311	$4,759	$0	$85,689
2058	$0	$0	$0	$0	$0	$88,150
2059	$0	$0	$0	$0	$0	$90,354
2060	$0	$0	$0	$0	$0	$92,613
2061	$0	$0	$0	$0	$0	$94,928
2062	$0	$0	$0	$0	$0	$97,301
2063	$0	$0	$0	$0	$0	$99,734
2064	$0	$0	$0	$0	$0	$102,227
2065	$0	$0	$0	$0	$0	$104,783

Shown in future dollars. Ending wealth is gross of latent account taxes. Smooth returns are assumptions; this is not a safe-spending limit or probability of success.

Assumptions and model limits

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.
Deterministic what-if, not a market forecast, calibrated success probability or optimized advice. Returns are assumptions; early-loss tests are specific paths.
2026 MFJ federal components and Kansas or Florida planning residence; 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.
Qualified Roth access and conversion eligibility are assumed for discussion, 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.

Current scenario packet for your AI

{
  "version": "public-scenario-v1",
  "asOf": "2026-10-12",
  "preset": "1m",
  "accounts": [
    {
      "id": "traditional",
      "ownerKey": "owner-1",
      "kind": "traditional",
      "balanceCents": 60000000,
      "costBasisCents": 0
    },
    {
      "id": "roth",
      "ownerKey": "owner-1",
      "kind": "roth",
      "balanceCents": 10000000,
      "costBasisCents": 0
    },
    {
      "id": "taxable",
      "ownerKey": "owner-1",
      "kind": "taxable",
      "balanceCents": 30000000,
      "costBasisCents": 30000000
    }
  ],
  "people": [
    {
      "ownerKey": "owner-1",
      "dob": "1971-01-01",
      "name": "Owner 1"
    }
  ],
  "state": "FL",
  "scenario": {
    "label": "Editable illustration",
    "startYear": 2026,
    "years": 40,
    "returnPercent": 5,
    "inflationPercent": 2.5,
    "annualGoalCents": 4000000,
    "annualUsedBudgetCents": 4000000,
    "budgetType": "all_in",
    "legacyFloorCents": 0,
    "legacyReal": true,
    "conversionYears": 0,
    "conversions": [],
    "familyAccountId": null,
    "familyFeePercent": 0,
    "returnsNetOfFee": false,
    "familySurplus": false
  }
}

To refine this estimate with dated records and a private plan, create your household. Connecting an AI is optional. Get started