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
Checking…
Probing https://decumulator-engine.onrender.com
Golden scenarios
Checking…
Verified worked examples the engine is validated against.
Build your retirement plan
Get a monthly paycheck with dollar guardrails, a funded-ratio answer, and a multi-year projection — or drop into the single-year tax calculator.