What your plan can calculate.
Save a household in any of the 50 states or Washington, DC. Calculation coverage is separate from saving your information.
We research primary IRS and state sources and show the limitations here. This release does not yet model every federal, state or local rule.
Check your state
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Younger households and partners
Both partners can enter ages 25–74, with a retirement age from 25. Direct Roth conversions can be explored with taxes funded outside retirement accounts. If a projection needs a retirement-account withdrawal before year-end age 60, we stop and explain the missing exact-age, exception and Roth-history information. The legal age boundary is 59½; a year-end age alone cannot resolve it.
For RMDs, an IRA owner with a spouse more than ten years younger must confirm whether that spouse is the sole beneficiary. The calculation then selects IRS Table II or the Uniform Lifetime Table. Survivor transitions and separate lifespans remain outside this model.
Social Security and funding uncertainty
Choose your scheduled-benefit estimate, no benefits, a custom reduction, or a fixed 78% payment stress starting in 2033. No-benefit plans need no claiming age. Other scenarios use the annual household estimate you supply for the chosen age; the engine does not calculate your earned credits or adjust your statement amount when you change the age.
The 2026 SSA Trustees report projects OASI reserve depletion in late 2032 and 78% payable from continuing income then. Our fixed 78% scenario begins in the first full year afterward and does not reproduce the report’s declining long-term payable path. It is a stress assumption, not a confidence interval, enacted cut or forecast of zero benefits. Annual exports distinguish scheduled benefits, the scenario reduction and benefits paid.
Equity and inheritance illustrations
The free workspace now includes five separate event tools: RSU settlement and sale basis; ISO exercise and sale components; 2026 mega backdoor Roth contribution room and direct-transfer allocation; survivor home basis; and gift-versus-inheritance basis. Each uses the Python engine, requires relevant confirmations, and includes IRS or California BOE sources.
These calculate income, contribution room or basis components, rather than complete tax bills. ISO AMT liability and credit recovery, estate and gift taxes, California Proposition 19 reassessment amounts, and ongoing survivor cash flows are not calculated. Saved event inputs do not change retirement income, account balances or legacy estimates automatically.
What still needs a different model
ACA reconciliation, Roth distribution histories, integrated stock-option tax and AMT preferences, business and foreign income, itemized deductions, most credits, capital losses, residency changes, inherited accounts, and local taxes remain incomplete or unsupported in the retirement projection. Review these exclusions before relying on a result.
For other states, our national inventory identifies unsupported calculations. The IRS state directory and USAGov state and local tax guidance provide primary-source starting points, not evidence that every jurisdiction has been reviewed.
Calculation sources
Latest research additions: loading…. Research and arithmetic checks are separate from professional approval.