We model what actually happens to your money: year by year, dollar by dollar, after taxes.
Why it can’t be solved one at a time
Withdrawal order and Roth conversions are decided over decades, not in isolation. Converting today leaves less to be forced out at 73 or 75. The income it adds now can cost an ACA subsidy before 65, or raise a Medicare premium two years later. The amounts are solved across every year at once.
All six compete for one thing: room in a low tax bracket. You can fine-tune this year's Roth conversion, tax-deferred withdrawals, and realized capital gains, and see how that affects your taxes and healthcare costs.
Everything the engine accounts for behind those six questions.
We compute your tax bill year by year using actual progressive brackets, not a flat "25% tax rate" guess. Every withdrawal and income source hits the right bracket.
$1M in a traditional IRA is not the same as $1M in a Roth. We track traditional, Roth, and taxable accounts separately, because each has different tax treatment that changes how much is actually yours to spend.
The gap between employer coverage and Medicare (ages 55–65) is the most expensive surprise in early retirement. We model ACA premiums, subsidies based on your income, IRMAA surcharges, and out-of-pocket costs.
At 73 or 75, depending on your birth year, the IRS forces withdrawals from tax-deferred accounts. We model RMDs using IRS life expectancy tables and factor the tax impact into your plan.
For married couples filing jointly, we model both spouses' accounts, RMDs, Social Security benefits, and what happens financially when one spouse passes.
$80K/year today won't buy the same in 20 years. Every number in your projection is in today's dollars so you can compare apples to apples across your timeline.
You choose how many years of spending to hold safe, and every projected year honours it. The reserve is placed across your accounts in your withdrawal order, and refilling it after a drawdown means selling stock, so the tax that creates lands in the year it happens.
Salary, rental income, pensions, part-time work, Social Security. Each source is taxed differently, and we layer them in the right order so your brackets come out right.
Some lines are cliffs: one dollar over and you lose an ACA subsidy or jump a Medicare tier. A rule that holds up over thirty years cannot see that edge. Set this year's sale, withdrawal and conversion amounts exactly, and watch where each one lands.
The most you can spend on living expenses every year, with taxes and healthcare already covered. Not a probability to interpret. A floor, tested against the worst 30 years in US market history.
Which account to take from first, and what each order costs you in lifetime taxes, healthcare, and what is left at the end. You pick the one you want; the difference is in dollars, not adjectives.
Your taxes are decided by December 31 and usually first looked at in the year after, when nothing can be moved. See what a sale, a withdrawal or a conversion does to your brackets, your Medicare surcharge and your subsidy while the year is still open.
Get full Lumifin app access for $199/yr and model every retirement decision yourself: withdrawal order, Roth conversions, and ACA strategy.
