Most retirement calculators stop at a single gross "Can I retire?" number. Model estimated tax-smart 401(k)/Roth/Brokerage drawdowns, 2-year Medicare IRMAA lookbacks, CCRC housing transitions, and actual-vs-plan withdrawal guardrails—100% locally in your browser with zero cloud storage of your financial data.
Your net worth, tax brackets, and account balances are calculated in your browser and never stored on our servers.
No Plaid credentials, no brokerage logins, and no harvesting of your family's financial data for advisor lead-gen.
Auto-saves to browser `localStorage` plus unlimited `.json` profile exports and a downloadable Pro bundle.
Skip recurring $120–$250/year SaaS subscriptions with a perpetual personal license for v3.0 and its companion sheet.
Every parameter—from filing status and standard deductions to biweekly contribution splits and CCRC equity refunds—is 100% user-editable.
Models 26 biweekly drawdowns per year using a rule-based withdrawal hierarchy: satisfies mandatory RMDs first, fills your remaining 12% federal ordinary income bracket room from Pre-Tax 401(k), then taps Taxable Brokerage (tracking dynamic cost basis) and Roth before spilling back into higher brackets.
Estimates your Modified Adjusted Gross Income (MAGI) with a 2-year Medicare lookback. Automatically models Part B & Part D surcharges across all 5 IRMAA tiers and shades warning bands directly onto your withdrawal chart so you can spot potential MAGI cliffs years in advance.
Projects compounding home value appreciation, models a downsizing cash-out infusion into your brokerage basis at any target age, and deducts Continuing Care Retirement Community (CCRC) entrance fees—with optional HSA modeling for qualified medical portions and refundable equity contract credits (50%–100%).
Separates your Health Savings Account from ordinary retirement balances. Models pre-retirement family or individual contributions, tax-free investment growth, automated late-life medical spending drawdowns (e.g., age 80+), and tax-free HSA funding for qualified medical or eligible LTC expenses.
Retirement spending isn't flat. Chain together unlimited pre-retirement contribution stages (with per-period free-spend cash tracking) and sequential Go-Go, Slow-Go, and No-Go withdrawal phases—each with its own target percentage rate, minimum floor, and maximum spending cap.
Export your entire 40+ column year-by-year projection—including account snapshots, RMD excess, estimated federal ordinary vs. capital gains taxes, IRMAA tiers, and every underlying assumption—as a structured JSON or CSV file ready to analyze in your favorite LLM or spreadsheet.
A static retirement projection changes as soon as markets move. The Execution Suite pairs the interactive HTML simulator with a companion spreadsheet bridge so you can systematically model and estimate your withdrawal guardrail adjustments each year.
In the Pro Execution Suite, clicking any year on the top Portfolio Balance chart automatically formats that year's exact age, target withdrawal rate, inflated 401(k), Roth, and Brokerage balances, spreadsheet formula (=SUM(C4:C6)), floor/cap guardrails, and inflation rate directly to your clipboard.
Use the Free Edition as long as you like for high-level trajectory modeling, or unlock the full Pro Execution Suite for federal tax approximations, IRMAA lookbacks, housing transitions, and annual spreadsheet sync.
| Capability / Module | Free Edition ($0) | Pro Suite ($89 One-Time) |
|---|---|---|
| Custom Start/End Ages, Filing Status & Today's vs. Future Nominal $ Toggle | ✓ Included | ✓ Included |
| Interactive Chart Hover Breakdowns & Drag-to-Select Age Range Summary Popup | ✓ Included | ✓ Included (w/ Est. Tax & IRMAA) |
| Pre-Retirement Accumulation Stages & Sequential Withdrawal Phases | 1 Stage & 1 Phase | Unlimited Dynamic Stages |
| Estimated Federal 12% Bracket Filling, Brokerage Cost Basis & Uniform Table RMDs | 🔒 Gross Only | ✓ Multi-Account Federal Tax Model |
| Medicare IRMAA 2-Year Lookback Surcharges & Visual Chart Warning Bands | 🔒 Pro Only | ✓ All 5 Tiers + Chart Shading |
| Home Equity Downsizing Cash-Out & CCRC Buy-In + Refundable Equity Credits | 🔒 Pro Only | ✓ Included |
| Dedicated HSA Projection Track, Age 80+ Medical Spend & One-Time Liquidity Events | 🔒 Pro Only | ✓ Included |
| Companion Execution Spreadsheet Sync (`Copy Expected Balances` + Chart Click-to-Copy) | 🔒 Pro Only | ✓ Included |
| AI Advisor 40+ Column JSON/CSV Export, `.json` Scenario Save/Load & Downloadable Bundle | 🔒 Pro Only | ✓ Included |
Start immediately in your browser for free, or unlock the complete Decumulation Execution Suite (v3.0) for a single one-time payment.
Ideal for quick retirement trajectory checks and testing gross portfolio longevity across return rates.
Everything in Free, plus the federal tax-sequencing estimator, Medicare IRMAA lookback radar, CCRC housing model, and companion execution spreadsheet.
Educational modeling tool only; not financial or tax advice. Digital download purchases include unlocked files and are final except where required by law.
100% of your financial calculations run locally inside your browser's JavaScript engine. Your financial inputs are saved only to your browser's local storage (`localStorage`) or portable `.json` files that you export to your own machine. On the web version, standard UI assets (such as fonts, Chart.js, and Lemon Squeezy checkout/license verification) load over HTTPS; Pro users can also download the standalone bundle for local desktop use.
No. The Decumulation Execution Suite is a self-directed mathematical modeling tool for educational and illustrative purposes only. Its tax and healthcare modules use simplified federal approximations (excluding state/local income taxes, the 3.8% Net Investment Income Tax, AMT, and IRS Social Security provisional income formulas). Always consult a qualified CPA, tax professional, or fiduciary financial advisor before executing withdrawals, Roth conversions, or HSA distributions.
Every tax and healthcare parameter in the simulator—including the Standard Deduction, Senior Bonus Deduction, 12% Ordinary Income Bracket Ceiling, 0%/15% Capital Gains thresholds, RMD Start Age, and IRMAA Tier 1 threshold—is exposed right in the Core Assumptions, HSA, RMD & Tax/IRMAA panel so you can adjust assumptions yourself at any time.
Yes. Selecting your filing status in the Personal & Timeline Profile panel automatically reconfigures the baseline standard deduction, senior deduction count, ordinary income tax brackets, capital gains thresholds, Medicare IRMAA thresholds, and spouse Social Security toggle—and you can still fine-tune any individual number afterward.
Checkout is handled securely via our Merchant of Record (Lemon Squeezy). Immediately upon purchase, you receive a license key that unlocks all Pro modules in the web simulator plus a downloadable `.zip` bundle containing the pre-unlocked HTML application and the Companion Execution Spreadsheet. Because digital orders grant immediate access to unlocked files, all sales are final unless otherwise required by applicable law.