Retirement Projection
Estimate what your retirement savings could grow to, based on your age, what you have today, and what you add each month. Illustrative — actual returns vary and are not guaranteed.
Estimated Savings at Retirement
Where the balance comes from
Assumes monthly contributions and monthly compounding through your retirement age. Inflation, taxes, fees, and the order of market returns are not modeled.
Default 5% reflects a conservative blend of stocks, bonds, and cash. For reference: the S&P 500 averaged ~10.7% nominal and ~6.8% after inflation (1957–2025); investment-grade bonds ~3–5%. Source · SmartAsset / S&P. Illustrative.
Investment Growth
See how an investment could grow over time with regular contributions and compounding. Illustrative — actual returns vary and are not guaranteed.
Projected Investment Value
Balance over time
Compounds at the contribution frequency you select; contributions assumed at period-end. Inflation, taxes, and fees are not modeled.
Default 5% reflects a conservative blend of stocks, bonds, and cash. S&P 500: ~10.7% nominal / ~6.8% real (1957–2025); bonds ~3–5%. Source · SmartAsset / S&P. Illustrative.
2026 Federal Tax Bracket Lookup
Enter taxable income (after deductions) to see your marginal and effective federal income tax rates under 2026 IRS brackets.
2026 Federal Income Tax Estimate
| Rate | Bracket (Taxable Income) | Tax on This Layer |
|---|
Applies 2026 federal income tax brackets per IRS Rev. Proc. 2025-32. Excludes FICA, state/local taxes, AMT, credits, and surtaxes. Standard deduction ($16,100 single / $32,200 MFJ / $16,100 MFS / $24,150 HOH for 2026) is not subtracted — enter taxable income after deductions.
Source · IRS Rev. Proc. 2025-32; Tax Foundation 2026 Brackets. Verified 2026 — CCO confirm before publishing.
Social Security Claiming Estimator
Compare the relative benefit of claiming at 62, full retirement age (FRA), or 70. Enter your estimated monthly benefit at FRA to see dollar-level scenarios.
Monthly Benefit Comparison
Monthly benefit — illustrative
Early-claiming reduction: –5/9% per month for the first 36 months before FRA, then –5/12% per month beyond. Delayed credit: +8% per year past FRA to 70. FRA is 67 for those born 1960 or later (SSA). Does not model COLA, WEP/GPO, survivor benefits, taxation, or the earnings test. Get your personal estimate at ssa.gov/myaccount.
Source · SSA.gov. Reduction/credit percentages are statutory. Illustrative.
Roth Conversion Illustration
A Roth conversion is a taxable event: the amount you convert is added to your ordinary income for the year. This tool shows the federal income tax that conversion adds, layered on the income you enter — the mechanics, not a recommendation to convert.
Federal Tax on the Conversion
How the converted amount is taxed, bracket by bracket
Applies 2026 federal income tax brackets (IRS Rev. Proc. 2025-32) to the amount converted, layered on top of the taxable income you enter. The “tax if taxed later” figure is simply the amount converted multiplied by the future rate you entered — a comparison of tax dollars at two rates, not a projection of investment growth, and not a recommendation to convert.
This illustration excludes state and local tax, the 3.8% net investment income tax, and the fact that a higher income this year can raise your Medicare Part B and Part D premiums (IRMAA) two years later. Whether a conversion fits your situation depends on facts this tool does not capture.
Source · IRS Rev. Proc. 2025-32; Tax Foundation 2026 Brackets. Educational and illustrative only — not personalized tax advice. CCO confirm before publishing.