Retirement Calculator 2026

401(k), IRA, Roth conversion, RMD & withdrawal planning

About you

Current age

Retirement age

Filing status

Compensation

Annual gross compensation

Annual wage growth

Prior-year FICA wages (W-2 box 3)

Current account balances

Pretax (401k, Trad IRA)

Roth (Roth 401k + Roth IRA)

Taxable brokerage

401(k) contributions

Deferral % of pay

Of deferral, % to Roth

Employer match rate

Match cap % of pay

IRA contributions

Annual IRA contribution

Of that, % to Roth IRA

Phase-out → Trad (vs. taxable)

Taxable savings

Annual taxable savings

Returns & assumptions

Pretax return

Roth return

Taxable return

Taxable tax drag

Monte Carlo simulation

Use Monte Carlo

Roth conversion scenario

IRA balance to convert from

Of that, non-deductible basis

Other taxable income (yr 1)

Target rate ceiling

Horizon (years)

IRA growth rate

Expected RMD-era marginal rate

RMD scenario

IRA balance at start

Starting age

Horizon (years)

Account growth rate

Withdrawal scenario

Start age

End age

Annual spending need

Other taxable income

Bracket ceiling for pretax draws

Accumulation projection

From age 35 to 67 (32 years). Deterministic single-return projection.

Total wealth at retirement$4.84MAge 67

Of that, pretax$2.25M47% of total

Of that, Roth$1.93M40% of total

Of that, taxable$660k14% of totalTax drag applied annually; LTCG at withdrawal not modeled.

Wealth trajectory by bucket

Year-by-year balance in each tax wrapper (deterministic single-return projection).

Bucket composition over time

How the relative weight of pretax / Roth / taxable shifts as you accumulate.

Lifetime contributions breakdown

Pretax 401(k)$275,389 (22%)

Roth 401(k)$275,389 (22%)

Employer match$275,389 (22%)

Trad IRA$0 (0%)

Roth IRA$234,213 (19%)

Taxable brokerage$178,287 (14%)

Total contributed (you + employer)$1,238,668

Engine notes

Age 67: Roth IRA phased out (MAGI $257508). $7500 redirected to taxable brokerage.

Federal income tax modeling only. Contribution limits held at 2026 nominal dollars; future COLA adjustments to the $24,500 / $7,500 / $8,000 figures will increase headroom. State income tax, NIIT (3.8%), additional Medicare (0.9%), AMT, and QBI deduction are not modeled.