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A specialized retirement-income and tax-sequencing optimizer for households approaching or already in retirement.

Retire confidently — and keep more of it.

Let the optimizer find the withdrawal strategy that best serves your goal.

Live sample Portfolio value with a tax-smart strategy
$401K $802K $1.2M $1.6M $2M $2.4M $2.8M $3.2M $3.6M $4M$0 2030 2035 2040 2045 2050 20552026
Nominal ending balance Today's dollarsMonte Carlo median (today's $) 10th–90th percentile (today's $)

A married couple, 65 and 63, with $1.5M saved ($400k taxable · $900k IRA · $200k Roth), spending $100k a year, Social Security of $66k from ages 70 and 67.

Bracket-aware sequencing fills the 22% bracket from the IRA early, so RMDs never push the couple into higher brackets later.

  • $100k spent every year, in today's dollars, after tax
  • $145k less lifetime tax than conventional deferral
  • 93% of 400 random market paths funded every year
  • $1.8M left as a legacy at 95, in today's dollars

Computed by the same engine you'll use, on the sample household above — not a stock chart. Your numbers will differ.

  • Project

    Every year of your retirement, after federal and state tax, Medicare surcharges and RMDs.

  • Optimize AI-powered

    Intelligently seeks out the best strategy for the goal you choose: most spending, least tax, or the largest legacy.

  • Prove

    Stress-test the result across a thousand market paths, then export it to PDF or Excel.

How it works

  1. Enter your facts

    Ages, spending, Social Security, pensions, and your taxable, IRA and Roth balances. Fifteen minutes, in today's dollars.

  2. Pick a goal

    Most spending, least lifetime tax, or the largest legacy. The optimizer tunes the withdrawal order, bracket ceiling and Roth conversions to serve it.

  3. See the model — and the proof

    Year-by-year results, a plain-language explanation of the drawdown, Monte Carlo odds, and PDF or Excel export.

Learn more: what the model covers and how the optimizer works

It runs the full 2026 tax picture each year — federal and state tax, Social Security taxation, Medicare (IRMAA) surcharges, RMDs, a fixed-index annuity, and (where they apply) a mortgage and a late-life long-term-care event — then reports your lifetime after-tax income, the taxes you'll pay, and what's left as a legacy, with a plain-language explanation of the withdrawal order behind it.

You can save several named models and compare approaches side by side. Subscribers unlock the advanced analysis: the maximum sustainable spending your model supports, a strategy comparison, an A/B optimizer that refines your model toward a goal you choose, first-death (widow's-penalty) modelling, a Roth-conversion "what if," a mortgage-payoff "what if," a Monte Carlo simulation that scores your odds of success across a thousand market paths, and one-click PDF and Excel export.

Refine your strategy automatically (A/B). This changes how you draw money down, not your financial facts — your balances, returns, and time horizon stay exactly as you entered them. Pick a goal (the most spending you can sustain, the least lifetime tax, or the largest legacy) and the model tunes the four withdrawal levers behind your Withdrawal strategy:

  • Sequencing mode — conventional vs. bracket-aware order
  • Taxable-income ceiling — the bracket it fills up to each year
  • Aggressive fill — on/off: whether to withdraw tax-deferred money up to the top of your target bracket even beyond what you need that year (reinvesting the surplus in taxable), to shrink future RMDs and the survivor's tax jump — versus withdrawing only up to your spending need
  • Optional Roth-conversion window — on/off, plus start and end age

It presents the result as model B beside your current model A, so you can see exactly which levers moved — and if you adopt it, B is saved back as a Custom Withdrawal strategy on the Inputs page. The search uses an evolutionary AI algorithm (differential evolution), running the full tax engine across many candidate strategies and keeping the best, so every result is a real, explainable model you could have set by hand.

Sign in with your email, then open a saved model or create a new one. Registered members can save 1 model; subscribers up to 10. Each model is saved under your email address and the name you give it, so signing in with that same email always brings back your models — just give each one its own name.