When Can You Stop, or Slow Down?
Your accounts from My Plan, projected across thousands of possible markets, after taxes, health insurance before Medicare and Social Security. See the chance your money lasts, and what moves it.
These are example numbers. Answer a few questions and every calculator fills in with yours, saved in this browser.
From your plan
Invested now, by tax type
What you paid in; gains above it are taxed when sold
Saving per year, both of you
$77,750 a year. College savings stay in the 529 and aren’t counted here. Keep traditional IRA balances at $0 so a backdoor Roth stays tax-free.
Your plan for later
Spending per year, by phase
e.g. when the mortgage is paid off. Medicare premiums are included after 65.
Marketplace estimate before any subsidy
Income later
Social Security at 67
From your ssa.gov statements, per year
From the pension calculator; $0 if none
Assumptions
Withdrawals: taxable, then pre-tax, then Roth. Pre-tax is drawn at least to the RMD each year from 75 (73 if born before 1960).
Stopping at 60
Simulating 5,000 markets…
Where each year’s money comes from
Spending includes health insurance · at the average return · federal tax
| Age | Spending | Soc. Security | Taxable | Pre-tax | Roth | Federal tax |
|---|---|---|---|---|---|---|
| 60first year | $174,000 | $0 | $73,379 | $113,840 | $0 | $13,219 |
| 64taxable spent | $174,000 | $0 | $0 | $200,436 | $0 | $26,436 |
| 67both claim | $115,000 | $42,000 | $0 | $82,868 | $0 | $9,868 |
| 75RMDs begin | $115,000 | $42,000 | $0 | $83,644 | $0 | $9,961 |
5,000 simulated return paths at 3.5% average return after inflation and 12% volatility. Federal tax on withdrawals: ordinary brackets, Social Security taxed by the IRS formula, capital gains at 0/15/20% plus NIIT, RMDs from 75; state tax simplified. Survivor benefits, IRMAA and ACA subsidies aren’t modeled yet. Returns are not guaranteed. Educational, not investment or tax advice.