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The Tangibill Retirement Projection tool models your complete retirement picture — not just a simple balance and return rate. It accounts for Social Security taxation using the IRS combined income formula, Required Minimum Distributions starting at age 73, Medicare IRMAA surcharges, federal and state income taxes using real 2024 bracket rates, capital gains taxes on taxable account withdrawals, and separate healthcare cost inflation tracking.
Before starting, get your Social Security estimate from ssa.gov/myaccount. This is the most important number in the entire projection — your benefit at ages 62, 67, and 70 will differ significantly, and the difference between claiming at 62 vs 70 can exceed $100,000 in lifetime income for many retirees.
Gather your current account balances across all investment accounts: 401(k), Traditional IRA, Roth IRA, taxable brokerage, and HSA. You'll also want your expected annual contributions and any pension information.
Delaying Social Security from age 62 to 70 increases your monthly benefit by approximately 76-77% for most workers. For a couple, coordinating claiming ages strategically can increase total lifetime Social Security income by $200,000 or more. This tool models the exact impact of each claiming age — 62, full retirement age (67 for those born after 1960), and 70 — on your overall retirement success.
Required Minimum Distributions force withdrawals from tax-deferred accounts starting at age 73, whether you need the money or not. Large RMDs can push you into higher tax brackets, trigger Medicare IRMAA surcharges, and make up to 85% of your Social Security taxable. This tool calculates your projected RMD each year using the IRS Uniform Lifetime Table and shows you exactly how they affect your tax burden.