Retirement Plan Simulator
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Copy A → B
Household Data
People
Primary birthdate
Primary base salary
Spouse birthdate
Spouse has own SS credits
Spouse base salary
Accounts
Cash balance
Whole Life 1
Cash value
Cost basis
Annual premium
Dividend rate (%)
Premium stops age
Whole Life 2
Cash value
Cost basis
Annual premium
Dividend rate (%)
Premium stops age
401k
Balance
Employee contrib (%)
Employer match (%)
Spouse balance
Spouse employee contrib (%)
Spouse employer match (%)
IRA balance
Spouse IRA balance
Roth IRA balance
Spouse Roth IRA balance
Income
Pension annual amount
Pension start age
SS benefit at 62
SS benefit at 67
SS benefit at 70
Spouse SS benefit at 62
Spouse SS benefit at 67
Spouse SS benefit at 70
VA disability monthly
VA disability COLA-adjusted
Plan Meta
Inflation rate (%)
Effective date override
Scenario A
Strategy
Retirement age
Spouse retirement age
SS claim (you)
SS claim (spouse)
Withdrawal order
Taxable first
Tax-deferred first
Proportional
Custom
Tax payment order
Same as withdrawal order
Taxable first
Tax-deferred first
Proportional
Custom
Roth conversions
Conversion mode
Fill bracket
Fixed $/yr
Target
Conversion window
to
Assumptions
State tax rate (%)
Return rate (pre-retirement) (%)
Return rate (post-retirement) (%)
Return rate (cash) (%)
Expenses
Medical (pre-Medicare) monthly
Medical (pre-Medicare) until age
Medicare monthly
Medicare from age
Mortgage P&I annual
Mortgage P&I until year
Mortgage P&I inflates
Property Tax/Insurance annual
Property Tax/Insurance inflates
Living expenses annual
Living expenses inflates
Discretionary annual
Discretionary inflates
Discretionary taper start age
Discretionary taper %/yr
Scenario B
Strategy
Retirement age
Spouse retirement age
SS claim (you)
SS claim (spouse)
Withdrawal order
Taxable first
Tax-deferred first
Proportional
Custom
Tax payment order
Same as withdrawal order
Taxable first
Tax-deferred first
Proportional
Custom
Roth conversions
Conversion mode
Fill bracket
Fixed $/yr
Target
Conversion window
to
Assumptions
State tax rate (%)
Return rate (pre-retirement) (%)
Return rate (post-retirement) (%)
Return rate (cash) (%)
Expenses
Medical (pre-Medicare) monthly
Medical (pre-Medicare) until age
Medicare monthly
Medicare from age
Mortgage P&I annual
Mortgage P&I until year
Mortgage P&I inflates
Property Tax/Insurance annual
Property Tax/Insurance inflates
Living expenses annual
Living expenses inflates
Discretionary annual
Discretionary inflates
Discretionary taper start age
Discretionary taper %/yr
Table for scenario:
A
B
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