Model Traditional 401(k)s, Roth accounts, Social Security, and interactive tax breakdowns to find your true take-home pay.
Configure all four accounts below. These inputs also power the Taxes & Payouts analysis. Projected balances update live.
Your contributions are Roth (tax-free at withdrawal). The employer match is deposited into a separate pre-tax bucket.
Pre-tax contributions grow tax-deferred. Withdrawals in retirement are taxed as ordinary income. No employer match.
2026 limit: $7,000/yr ($8,000 if age 50+). Income limits apply for deductibility.
After-tax contributions grow completely tax-free. No Required Minimum Distributions ever apply.
2026 limit: $7,000/yr ($8,000 if age 50+). Income limits apply.
These settings power the runway analysis below.
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Start Retirement on AFFILLIATENAME| Age | Start Balance | Pre-Tax W/D | Roth W/D | SS Income | Fed Taxes | Net Income | End Balance | Opt. Savings |
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What the numbers don't capture
Holding both pre-tax and Roth accounts lets you control your taxable income in retirement - filling lower brackets with traditional withdrawals and pulling the rest tax-free.
Withdraw no more than 4% of your portfolio in year one, adjusted for inflation annually. Historically this has sustained a 30-year retirement across most market conditions.
Traditional 401(k) and IRA accounts require mandatory withdrawals starting at age 73. Roth accounts have no RMDs - a major advantage for estate planning and tax control.
Claiming at 62 gives a permanently lower benefit. Waiting until 70 raises your monthly amount by roughly 8% per year of delay - one of the most impactful retirement decisions you'll make.