Shares annual limit with Roth IRA · each $ = 100% basis
Employer Match 401k · 403b · goes to pre-tax · excludes from $23,500 employee limit
⚠ Global setting — base contributions apply uniformly through retirement age. Catch-up is independent of base amount — you can contribute catch-up even without maxing the base.
Withdrawal Settings
Draw Start Age65
5575
Annual Draw
% of portfolio per year4%
1%8%
Draw Phase Return
Fixed rate · bond-shifted portfolio
5.5%
Accumulation Phase Return
MC mean · ±17% std dev → p10–p90 fan
8%
Balance chart uses geometric mean (6.6%) to match MC median. Higher arithmetic mean reflects expected value; lower geometric mean reflects typical (median) outcome.
Gross Income Target (Median)
$0
Income Sources
SS Start Age67
6270 (max)
Benefit: $59,784/yr (your entry)
SS Benefit at FRA · your entry
Quick estimates by earnings level (FRA at 67)
$/yr
📍 ssa.gov/myaccount → "My Social Security" → "Estimated Benefits" shows monthly amounts at 62 / FRA / 70. Enter the FRA amount above. The slider adjusts for your claiming age using SSA actuarial factors.
Pension
$4,800/yr
$/mo
Starts age
Year 1 income mix (median)
Portfolio draw$0/yr
Social Security$0/yr
Pension$4,800/yr
Inflation & Real Returns
At 3% inflation: nominal 8% return → 4.85% real · draw 5.5% → 2.43% real
Inflation Rateaffects purchasing power of all future values
3.0%
0% (no inflation)3% (historical avg)6% (high)
Nominal at draw start (age 65)
$4,423,165
MC p50 nominal
Real purchasing power
$2,448,999
today's $ at 3% inflation
Purchasing power loss
$1,974,166
inflation erodes this much
One-Off Withdrawals · Large Purchases & Expenses
RV, travel fund, home purchase, renovations — drawn on top of regular income. Choose source and see tax impact.
One-time inflows at any age — taxable (into pre-tax) or non-taxable stepped-up basis (into Roth or After-Tax)
Your Home State (where you currently live and plan to return)
Progressive to 12%
State Tax Strategy · Residency Planning
Domicile in a no/low-tax state during conversion years. Travel freely — your domicile determines taxes, not where you visit.
Phase 1: Age 65–74 · Strategic Domicile
Nevada · 0% income tax
✓ Retirement income exempt
No state income tax. Strong asset protection.
No state income tax. Strong asset protection.
Return to California
Return at Age
75
Age 66Age 90
Phase 2: California (age 75)
California income tax resumes. Your Roth balance will be larger and pre-tax reduced → smaller tax footprint.
Conversion savings: $0 converted at Nevada vs California
Rental Properties
Each property taxed in its own state · income applies all retirement years
HSA Draw Strategy · Balance at Draw Start: $515,718
Tax-free draws open bracket space for Roth conversions.
Receipt Banking Active
No IRS time limit on reimbursements.
Receipt Reimbursement
Stored medical receipts. No time limit. Tax-free, no AGI.
/yr$0
$0$50,000
TAX-FREENo AGI
Retirement Medical
Medicare premiums, dental, vision, prescriptions, out-of-pocket. Tax-free, no AGI.
/yr$0
$0$20,000
TAX-FREENo AGI
Non-Medical (Ordinary)
After 65, no 20% penalty — just ordinary income tax. Elective income lever.
/yr$0
$0$50,000
TAXABLEOrdinary income
Tax-free drawn
$0
lifetime
Ordinary drawn
$0
taxable
HSA at 90
$0
remaining
Roth Conversion · Window: Age 65–74
No IRS limit. Starts at retirement. Taxes come from current year income.
Annual Conversion$0
$0$250k (no IRS limit)
Convert for Years0
025 yrs
Conversion Impact
Total converted$0
Est. tax cost$0
RMD reduction at 75$0/yr
State tax saved on conv.—
Portfolio Projection · Monte Carlo Bands · Accumulation fan = 1,000 stochastic paths. Draw phase (age 65+): deterministic at 5.5% · fan shows different starting balances, not ongoing market risk.
90th
75th
Median
25th
10th
Portfolio Balance Makeup · Accumulation → Draw · Each bar = start-of-year balance (before that year's draws). Total tracks MC p50 median.
After-tax preserved for heirs
1 purchase · $149,000
Pre-Tax
Roth
HSA
After-Tax
ND-IRA
Light bands = withdrawn for purchases (lavender=HSA medical, orange=HSA ordinary)
Pre-Tax at draw
$2,844,843
SECURE 2.0 corrected
Roth at draw
$706,582
incl. gap conversions
HSA at draw
$515,718
triple advantaged
After-Tax at draw
$356,022
preserved for heirs
Annual Income Breakdown (age 65–90) · Phase 1: Nevada → California at 75 · Tax bar at top
Pension
SS
HSA Receipts
HSA Medical
HSA Ordinary
After-Tax
Pre-Tax
RMD
Forced RMD
Roth
Tax (top)
State Rental
↑ Inflow
Bars scaled to after-tax income. Red tax bar on top. Total height = gross income (unchanged). Hover for original gross amounts, federal + CA breakdown, and net income.
Tax Estimate · Federal + California · MFJ · 2025 Federal Brackets
Federal: pre-tax + pension + 85% SS + HSA ordinary + conversions − $33,200 std ded (MFJ 65+). CA: same but SS excluded − $10,404 std ded. Roth draws tax-free in both. IRMAA, AMT, itemized deductions not included.
MC Portfolio at Draw Start · Age 65
Balance at Age 90
Export Report
Generate a print-ready summary of all projections, tax estimates, RMDs, and IRMAA — as a full-page report you can save as PDF.
Opens full report in this viewer. Use browser Print → Save as PDF to export.
Strategy Optimizer
Search 4,608 combinations × 8 draw-rate tests = 36,864 computations. Finds max sustainable draw %, lifetime wealth, and tax for every strategy.
Probability of Reaching by Age 65 · Monte Carlo · Targets auto-scale to your scenario (p10 → p25 → median → p75)
0%
$1.00M
chance of reaching
0%
$1.50M
chance of reaching
0%
$2.00M
chance of reaching
0%
$3.00M
chance of reaching
1,000 MC sims. Home: California · Phase 1: Nevada → Return at 75. Rental taxed in home state. Gap conversions taxed outside model. 50-state brackets (2024–2025, verify flagged states in Admin). Not financial advice.