Step 1 · Retirement Profile
Step 2 · Assets
Step 3 · Investment Return & Inflation
Step 4 · Primary Goal
Step 5 · Strategy
⚙ Advanced Assumptions & Custom Controls
ℹ Preset active: Standard preset rules are currently handling return rates, state taxes, healthcare, and contributions. Switch Step 5 to Advanced Custom to override.
📍 Post-Retirement Location & State Tax▼
🏥 Healthcare Subsidies & Tax Limits▼
Preserve ACA Subsidies (U.S.)
Avoid IRMAA Surcharges (U.S.)
💼 Long-Term Care & Extra Medical Spending▼
🏡 Housing & Debt▼
💼 Part-Time Work (Optional)▼
Enable Part-Time Work
💰 Contributions, College & Spending▼
Social Security Claiming Advisor (Cumulative SS Income Starting at Age 62)
💡 Key Takeaway: Claiming early at 62 provides immediate income starting at Age 62. Claiming at 67 (FRA) reaches breakeven with Age 62 at Age 76, while delaying to Age 70 reaches breakeven at Age 79.
Annual Outflow & Expense Breakdown (Spending, Tuition, Healthcare & Taxes)
📊 Displays annual cash outflows year-by-year across living costs, college tuition, medical/LTC, federal tax, state tax, and fixed mortgages.
Wealth Composition by Age
Annual Roth Additions by Age (Contributions vs. Conversions)
🎯 Conversion Optimization Logic: Engine fills taxable ordinary income up to your active target federal tax bracket ceiling while strictly respecting ACA subsidy thresholds and Medicare IRMAA limits.
Sensitivity Table
| Path | Roth at 85 | After-tax Wealth | Lifetime Tax |
|---|
Plan Resilience (Market Simulation)
Testing 300 market scenarios...
Year-by-Year Roth Roadmap
| Age | Mode | W-2 | SS Taxable | Conversion | Fed Tax | State Tax | Total Tax | Bracket |
|---|
Next Decision: Where Should You Execute This Strategy?
Explore location matchers or healthcare tools to further optimize conversion windows.