Retirement plan

Paycheck & guardrails

A behavior-first, math-honest view of your decumulation: a monthly retirement paycheck with dollar guardrails, a funded-ratio “are you okay?” answer, and a multi-year projection — all from the engine's tax-aware model.

Dashboard

Household

Name / ID

Date of birth

State

Filing status

SpouseInclude a spouse

Accounts

Type

Account ID

Owner

Balance $

Type

Account ID

Owner

Balance $

First Roth contribution year

Type

Account ID

Owner

Balance $

Income

No income yet. Add Social Security, a pension, or annuity — it reduces what you draw from the portfolio (and counts toward MAGI). Amounts grow with inflation.

Spending & goals

Essential spending $/yr

Lifestyle spending $/yr

Legacy goal $

Start year

Plan to age

Expected return %

Inflation %

Initial withdrawal rate %

Withdrawal order

Roth conversion runway

Plan Roth conversions during the gap years before RMDs

Convert up to this MAGI $/yr

Each year the engine converts Traditional → Roth up to this MAGI. Keep it under the ACA subsidy cliff (~$60k single / ~$81k couple) before 65, or an IRMAA tier after.

Pre-filled with the “Marcus” ACA-bridge example.