Decumulator
Retirement spend-down planner
A tax-aware decumulation engine for the ACA-bridge early retiree — Roth conversions, IRMAA cliffs, NIIT, RMDs, and 72(t) modeling, with a full bracket-fill audit trail.
Engine
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Golden scenarios
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Verified worked examples the engine is validated against.
Start with your profile
Enter your household, accounts, income, and assumptions once — then every tool reuses it. Build a plan (a monthly paycheck with dollar guardrails and a funded-ratio answer) or drop into the single-year tax calculator.