Most retirement calculators ask three questions and draw a line. We model what actually happens to your money — year by year, dollar by dollar, after taxes.
Every factor that affects how much you can actually spend — not just how much you've saved.
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.
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.
Your Social Security benefit is factored into your projection at your expected claiming age — including how much of it gets taxed (up to 85%) and how it interacts with your other income sources.
$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.
Salary, rental income, pensions, part-time work, Social Security — each source has different tax treatment. We layer them correctly so your brackets are accurate.
$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.
At 73, the IRS forces withdrawals from tax-deferred accounts. We model RMDs using IRS life expectancy tables and factor the tax impact into your plan.
Taxable accounts generate annual tax drag from dividends and realized gains. We track cost basis and apply the correct rates — long-term, short-term, and qualified dividends.
For married couples filing jointly, we model both spouses' accounts, RMDs, Social Security benefits, and what happens financially when one spouse passes.
The amount you can spend every year — after taxes, after healthcare — without running out. Not a guess. A number backed by a year-by-year projection.
How much you'd have left if you retire at 60 vs. 63 — or when you'd run out if spending is too high. The number that answers "can I afford to stop?"
We walk you through your projection together — what the numbers mean, what drives them, and what to pay attention to. You'll leave with a clear picture, not a spreadsheet you have to decode.
Your key numbers in one place: confident spending, ending balance, tax impact, and the assumptions behind them. Something you can refer back to and share with your partner or planner.
Get full Lumifin app access for $199/yr and model every retirement decision yourself — withdrawal sequencing, Roth conversions, ACA strategy, as many scenarios as you want.
Join free today. We'll email you in July 2026 to claim your spot ($199/yr, 30 spots); access starts August 2026.