See how different Roth conversion strategies would affect your lifetime taxes, RMDs, and ending net worth. The Explorer runs your full retirement simulation with and without conversions and compares the results. Tax on conversions is fully included — the converted amount is added to your taxable income each year, taxed at your federal + state rate, and reflected in all totals. A positive result means the upfront tax cost is outweighed by tax-free growth and lower future RMDs. A negative result means conversion costs more than it saves in your scenario — both outcomes are possible and the Explorer shows you which applies.

Adjust assumptions and stress-test your retirement plan. Change return rates, life expectancy, inflation, SS timing, and spending to see how each affects your outcome.

Run your retirement plan through 2,000 seeded market paths sampling annual returns around your expected return. Instead of one straight-line projection, see the modeled success rate and the range of possible outcomes. Same inputs always produce the same results.

Explore how moving between states could affect taxes and Projected Ending Wealth. Compare your move timeline with staying in your current state, using the same plan assumptions.

Your effective tax rate in retirement, the tax brackets you fill, and opportunities to manage taxes on withdrawals and investment gains.

Your plan tracks one cost basis for your brokerage, seeded from Starting Gain %. This view follows that basis, the gain or loss on investment sales, and harvesting over time. Capital-gains tax is shown separately as an all-source total, including any taxable long-term home-sale gains.

Comprehensive risk analysis with Monte Carlo success probability, tax burden, RMD exposure, and 5 more risk factors. Adjust the scenario sliders below to stress-test how changing assumptions affects your risk profile — without changing your main inputs.

Compare different withdrawal sequences to see which order of drawing from your accounts preserves wealth the longest. Your current withdrawal order setting from the inputs above is highlighted.

Review your projected Required Minimum Distribution schedule starting at your RMD age (73 or 75, set by your birth year), based on your projected IRA/401(k) balance at that age (not your current balance). RMD amounts are calculated using the IRS Uniform Lifetime Table. See how RMDs grow over time, their tax impact, and strategies to reduce them through early withdrawals or Roth conversions.

Evaluate whether your planned spending is sustainable. See your effective withdrawal rate, how it compares to common benchmarks, and when adjustments might be needed.

Model Medicare premiums, IRMAA surcharges, Medigap supplements, and out-of-pocket costs through retirement. Healthcare inflation (~5.8%) outpaces general inflation — see how it compounds and what share of your spending goes to medical costs.

Compare claiming Social Security at different ages to see how each option affects your lifetime benefits, ending balance, and total income. Includes break-even analysis and COLA growth projections.

Get age-appropriate asset allocation suggestions for your retirement accounts. See how shifting between stocks, bonds, and cash affects your projected outcomes over time.

See a visual timeline of key retirement milestones — from Social Security eligibility and Medicare enrollment to RMD start dates, spending phase changes, and projected fund depletion. Understand what happens at each stage.

A year-by-year breakdown of the first 10 retirement years: where your taxable income comes from, how the tax breaks down by type, and which account funded each tax dollar. Useful for spotting bracket-creep and brokerage-drain patterns.

Inspect the year-by-year simulation data, export to CSV for external verification, and review engine diagnostics. Useful for validating results against your own spreadsheet or tax preparer’s projections.