Client Profile
Foundation data — drives all projections across every module.
Years to Retire
10
Age 52 → 62
Total Portfolio
$0
All accounts combined
Target Income
$0
Monthly at retirement
Confidence Score
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Portfolio success rate
Inflation Gap
—
Real purchasing power
Personal Information
Income & Goals
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$
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$
$
Annual Contribution Settings
%
%
$
$
$
$
Risk & Return Assumptions
%
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Return assumptions are applied as defaults to all accounts in their bucket. Override per-account in the Accounts tab.
Accounts & Holdings
Add all investment accounts, assets, and income sources. Values stay local in your browser.
Pre-Tax (401k/IRA/SEP)
$0
—
Roth (IRA + 401k)
$0
—
Taxable Accounts
$0
—
Alt / Real / Other
$0
—
All Accounts
No accounts yet. Add your first account below.
Portfolio Allocation by Account
Tax Bucket Distribution
Growth Projections
Every account projected at current value, 10 years, 20 years, and at retirement — with compound growth and contributions.
Total Today
$0
All accounts combined
Total at Year 10
$0
Total at Year 20
$0
Total at Retirement
$0
Total Growth
$0
Contributions + returns
Per-Account Projection — Every 10 Years
| Account | Type | Return | Annual Contrib. | Today | Year 10 | Year 20 | At Retirement | Total Gain | × Multiplier |
|---|
Portfolio Growth — Each Account Over Time
Projected Value at Retirement — by Account
Tax Bucket Growth — Every 10 Years
| Tax Bucket | Today | Year 10 | Year 20 | At Retirement | % of Retirement Portfolio |
|---|
Total Portfolio Growth — Stacked by Tax Bucket
Tax Analysis
Roth vs Pre-Tax balance, annual tax drag, and optimization opportunities.
Current Tax Bracket
22%
Based on income
Roth % of Portfolio
0%
Target: 25–35%
Est. Annual Tax Drag
$0
On taxable accounts
10-yr Tax Drag Total
$0
Compounded cost
Tax Bracket Breakdown
Tax Bucket Balance Score
Tax Bucket Distribution — Today vs Target at Retirement
Projected Tax Drag Over Time (Cumulative)
Tax Optimization Insights
Roth Conversion Plan
Year-by-year plan to strategically convert pre-tax assets to Roth while minimizing lifetime taxes.
Conversion Window
10 yrs
Until RMDs begin
Total Convertible (Pre-Tax)
$0
All pre-tax accounts
Recommended Annual Conversion
$0
To stay in bracket
Tax Cost of Conversion
$0
Est. annual tax bill
Conversion Strategy Settings
Golden window: While your income is lower during business-building phase, you can convert significant pre-tax assets at a lower bracket than in peak-earning years. This is a time-limited opportunity.
Conversion Benefit Analysis
Year-by-Year Roth Conversion Schedule
| Year | Age | Est. Income | Bracket Space | Recommended Conversion | Tax Cost | Pre-Tax Balance | Roth Balance | Cumulative Tax Saved |
|---|
Pre-Tax vs Roth Balance — Conversion Impact Over Time
RMD & Distribution Plan
Required Minimum Distributions starting at age 73 (SECURE 2.0). Includes income stacking analysis.
RMD Starts
Age 73
SECURE 2.0 rules
First Year RMD (est.)
$0
Age 73 withdrawal
Pre-Tax at RMD Start
$0
Projected balance
Est. Tax Bracket at 73
—
RMD + SS income
Annual RMD Amount by Age
RMD Schedule
| Age | IRS Factor | Pre-Tax Balance | RMD Amount | Monthly | Tax Impact |
|---|
Income Stacking Analysis at Retirement
Withdrawal Order
The sequence in which to draw from accounts to minimize lifetime taxes and maximize longevity.
Standard Tax-Efficient Order
Your Personalized Timeline
Account Balance Depletion — Optimal Draw Order
Annual Withdrawal Plan
| Age | Need | SS | Pension | Taxable | Pre-Tax | Roth | Total |
|---|
Early Retirement Strategy
If you retire before 59½ — how to access funds without penalties. Tactical bridge strategies.
Retirement Age
62
Early if before 59½
Bridge Period
0 yrs
Years before penalty-free
Taxable Available
$0
No-penalty access
Roth Contributions
$0
Withdrawable anytime
Bridge Strategies Ranked
Pre-59½ Bridge Timeline
72(t) SEPP Calculator
$
%
Roth Conversion Ladder
Home & Mortgage Strategy
Should you pay off your mortgage early — or let investments do the heavy lifting? See exactly where you stand.
Mortgage Details
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$
%
$
yrs
%
$
Mortgage Balance vs. Portfolio Growth Over Time
Payoff Scenarios: Min Payment vs Extra Payments vs Lump Sum
At Retirement Snapshot
Opportunity Cost Analysis
All Strategy Options — Ranked for Your Situation
Year-by-Year Amortization Preview
| Year | Age | Balance (Min) | Balance (+Extra) | Equity | Home Value | LTV | Portfolio (est.) |
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Retirement Confidence Score
Monte Carlo analysis across 500 scenarios. How likely are you to never run out of money?
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Score
Calculating...
Scenario Analysis
Portfolio Value — Bear / Base / Bull Scenarios
Portfolio Depletion Risk by Age
Score Breakdown
Top Recommendations to Improve Score
Executive Summary