Required Minimum Distributions (RMDs)

This calculator does not currently factor in Required Minimum Distributions (RMDs) that begin at age 73 for traditional retirement accounts. RMDs may require larger withdrawals than your planned amounts, potentially affecting your retirement strategy. An advanced version with RMD calculations is coming soon.

Important Disclaimers

Not Financial Advice: This tool is for educational and planning purposes only. Results are estimates based on your inputs and assumptions. This is not personalized financial, tax, or investment advice.

Social Security Taxation: Social Security benefits may be taxable based on your combined income thresholds. This calculator may not fully account for the complex taxation rules applied to Social Security benefits.

Market Risk: Actual investment returns will vary and may be negative. Past performance does not guarantee future results. Market conditions, economic changes, and other factors can significantly impact outcomes.

Tax Considerations: Tax laws are complex and subject to change. This calculator uses simplified tax calculations that may not reflect your actual tax situation, including state taxes, tax bracket changes, or future legislation.

Health Care Costs: Medicare premiums, long-term care, and rising healthcare costs are not specifically modeled and could significantly impact your retirement expenses.

Professional Guidance: Consider consulting with qualified financial, tax, and legal professionals who can provide personalized advice based on your complete financial situation.