Retirement
Calculator

Disclaimer: This calculator provides estimates for planning purposes only and is not financial advice. Investment returns are not guaranteed and actual results may vary. Tax laws change. Consult a qualified financial advisor and tax professional before making retirement decisions. All projections assume constant rates of return and do not account for sequence-of-returns risk.

† $0 Tax in retirement: When tax-deferred and Roth accounts haven't yet been drawn, ordinary income may be low enough that capital gains fall entirely within the 0% long-term capital gains bracket ($98,900 for Married Filing Jointly / $49,450 for Single in 2026, indexed to inflation in later years). This is legitimate tax law — not a calculation error. Hover over any tax cell for a year-by-year breakdown. Taxes increase once Social Security begins, pre-tax accounts are drawn, or gains exceed bracket thresholds.

Taxes calculated include: Federal LTCG brackets, Net Investment Income Tax (NIIT) at 3.8% on investment income when MAGI exceeds $250k (MFJ) / $200k (Single), state income tax on gains and pre-tax withdrawals, and ordinary income tax on Social Security (85% taxable), pre-tax 401k/IRA withdrawals, annuity, and other income — all combined using 2026 federal brackets.

Required Minimum Distributions (RMDs): Starting at age 73 (SECURE 2.0), minimum withdrawals from pre-tax accounts are computed using the IRS Uniform Lifetime Table. RMDs are taxed as ordinary income; any excess beyond spending needs is reinvested in the taxable brokerage account.