Navigator
RETIREMENT PLANNER — V206
Test Cases
1
Step 1 — Basic Info
Chart Range
Economic
Inflation rate3.0%
Stocks / Bonds60% / 40%
Exp. Return
8.9%
Bad Year (5th %ile)
−18%
Volatility
11%
Marital Status
Spending
Annual spending$80,000
4% rule start age60
After-tax income vs spending drives surplus/shortfall. Shortfall: taxable → deferred → Roth.
Job Income — Husband
Annual income$100,000
Job Income — Wife
Annual income$80,000
Pension — Husband
Annual pension$24,000
Start age65
Pension — Wife
Annual pension$18,000
Start age63
Social Security — Husband
Annual benefit$30,000
Start age67
Social Security — Wife
Annual benefit$24,000
Start age65
Life Events — Husband
Birth year1960
Age at death--
Pension survivor %50%
Life Events — Wife
Birth year1962
Age at death--
Pension survivor %50%
Account Balances Today
Tax-deferred$800K
Taxable account$200K
Roth IRA$100K
2
Step 2 — Analysis
Analysis
Tax Brackets (2026)
Tax brackets: taxable income · IRMAA: AGI · both rise with inflation
IRMAA
← Annual Income, Tax & Spending ($)
Asset Values ($) →
□ Click to unfreeze
AGE --
Spending
Annual$80,000
Roth Conversion
Annual conversion$0
⚠ RMDs active — conversion stacks on top
Lifetime Tax Summary
Income Tax--
RMD Tax--
Conv. Tax--
Withdrawal Tax--
Total Taxes--
Asset Summary
Final Assets--
Final Tax-Def.--
Final Taxable--
Final Roth--
Final Assets Today's $--
Tax-Def. Today's $--
Taxable Today's $--
Roth Today's $--
Roth Conversion Optimizer
Calculating...
3
Step 3 — Additional Plotting Features
Chart Series
Assets
Job Income
Pension
Social Security
Summary