v3.8 · OBBB senior deduction · Change any input — all tabs update instantly
Current Ages
Older spouse age
Younger spouse age
Retirement Plan
Older spouse ret. age
Younger spouse ret. age
Projection start year—
Balances at Retirement
Traditional 401k / IRA
Taxable brokerage
Roth IRA
Life Expectancy
Older spouse
Younger spouse
Returns & Inflation
Real portfolio growth%
Inflation rate%
Brokerage cost basis%
Brokerage Yield (% of balance)
Qualified dividend yield%
Ordinary dividend yield%
Taxable interest yield%
Tax-exempt interest yield%
Spending
Annual spend (2026$)
Social Security (2026$)
Older SS start age
Older SS benefit
Younger SS start age
Younger SS benefit
Taxes
State income tax rate%
NIIT threshold MFJ
Roth Conversion Strategy
Strategy
Flat annual conv. (strat 1, 2026$)
Late conv. after RMD age (strat 8, 2026$)
Stop conversions at ageolder sp.
Bracket headroom buffer%
RMD
RMD start age
Roth Draw Strategy
Roth draw delay (yrs after 1st conversion)
Draw mode
Roth draws begin this many years after the first conversion year. Set to 0 to draw immediately. Primary: Roth funds all spending first (tax-free, no MAGI). Brokerage keeps surplus. Gap fill: Brokerage first; Roth only covers shortfall.