Estimate Your Retirement Income & Tax Exposure
Discover how required distributions and Social Security taxation may affect your retirement income—and explore strategies that may help.
*Illustrative example only, not a guarantee
How It Works
Get educational estimates about your retirement income and tax exposure in three simple steps
Enter Your Info
Input your age, account balances, and expected Social Security. No sensitive data required.
See Your Estimates
View projected balances, RMD estimates, tax exposure, and income stress indicators.
Explore Your Options
Learn about income strategies and connect with a licensed professional if interested.
Why Tax Exposure Matters in Retirement
Many retirees are surprised by how much of their retirement income may be subject to taxation. Required Minimum Distributions (RMDs) from pre-tax accounts and Social Security taxation can create unexpected tax burdens.
Understanding your potential tax exposure is the first step toward exploring strategies that may help manage it—like timing withdrawals, diversifying tax buckets, or considering guaranteed lifetime income options.
RMDs begin at age 73
Forcing taxable withdrawals whether you need them or not
Up to 85% of Social Security may be taxable
Depending on your other income sources
Tax brackets can stack
RMDs + SS + other income may push you into higher brackets
Important Disclosure
Educational estimates only. This calculator uses simplified assumptions and approximate tax rules. It is not tax or legal advice. Actual results vary. Consult a qualified tax professional for guidance.
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