Open Retirement Planner

Plan your retirement with 401(k), IRA, and Brokerage accounts

Disclaimer: This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on your inputs and assumptions. Tax laws change frequently. Please consult a qualified financial advisor or tax professional before making financial decisions.

Forward: Set contributions → see projected portfolio  |  Backward: Set target income → see required contributions

Personal Information

Financial Assumptions

Current Account Balances

Traditional ? vs Roth ?

SEP, SIMPLE, Rollover, Traditional

Contribution Settings

401(k)

Limit: $23,500/year (+ $7,500 catch-up if 50+)

IRA

Brokerage (Taxable)

Year-by-Year Schedule

Override contributions for specific years. Leave blank to use defaults above.

Retirement Target

Account Allocation Override

Leave at 0 for automatic tax-advantaged priority allocation

Social Security

Display:
$0
Portfolio at Retirement
$0
Annual Withdrawal Income
$0
Total Contributions
$0
Tax Savings from Contributions
$0
Required Annual Contribution (Year 1)

Retirement Income & Tax Planning

Model your withdrawal strategy to estimate taxes. Adjust the mix to optimize.

Projected Balances at Retirement

Traditional 401(k):
$0
Roth 401(k):
$0
Traditional IRA:
$0
Roth IRA:
$0
Brokerage:
$0
Total Traditional:
$0
Total Roth:
$0
Total Brokerage:
$0
Total Portfolio: $0
At 4% withdrawal: $0/year

Taxed as ordinary income

Tax-free (qualified)

Only gains taxed (capital gains rate)

% of withdrawal that is cost basis (not taxed)

0-85% taxable based on income

Pension, rental, part-time work

Tax Estimate (Current Brackets)

Gross Income:
$0
Ordinary Income:
Traditional + Other:
$0
Taxable SS (of $0):
$0
Standard Deduction:
$0
Taxable Ordinary Income:
$0
Federal Income Tax:
$0
Capital Gains:
Brokerage Gains:
$0
Cap Gains Rate:
0%
Capital Gains Tax:
$0
Total Federal Tax:
$0
Net After-Tax Income:
$0
Effective Tax Rate:
0%

Year-by-Year Projection

Year Age Income 401(k) Contrib IRA Contrib Brokerage Contrib Total Balance Taxes

Retirement Year-by-Year

Projections through age 95 based on your withdrawal settings above

Age Start Balance Growth Withdrawal End Balance Social Security Total Income