Modest- to Modest-wealth households
who want a practical starting point with balanced withdrawals and manageable tax exposure.
Middle- to high-wealth
households planning around larger pretax balances, more income sources, and tighter tax
coordination.
High-wealth households focused on
large-balance decumulation, RMD sequencing, and long-horizon tax drag.
Strategic Input Vector
Define income parameters. Cursors dynamically scale with each
active layer, while marginal rates pull directly from top ordinary bounds.
W-2 Wages & Active Salary$375,000
Pre-Tax Traditional Distributions$0
Gross Social Security Inflow$75,000
Ordinary Dividends / STCG$0
Sec 1250 Depreciation Recapture$0
True Long-Term Capital Gains$0
Annual Spending Target$85,000
Modified Adjusted Gross (MAGI)
$0
Ordinary Marginal Tax Rate
0.0%
Total Federal Tax + IRMAA Surcharges
$0
Asymmetric
Structural Range Matrix
System Phaseout & Surcharge
Tracking Vectors
System Boundary Parameter
Current Metric Value
Operational Threshold
Status Vector
OBBBA Federal Senior Bonus Deduction
$0
Phases out above $150K MAGI
Active
Taxable Social Security Inclusion
$0
Base Rule Thresholds
Computed
Net Investment Income Tax (NIIT Sec 1411)
$0
$250,000 MAGI
Inactive
Medicare IRMAA Part B & D Surcharge
$0
Multi-tier Cliffs
Inactive
Withdrawal Strategy Optimizer
Target Scenario
Required Pre-Tax Dist.
Total Burden
Roth Conversion
Effective Rate
Marginal vs. Current
Details
Pretax Account Projection
Settings
Pre-Tax Balance$1,000,000
Birth Year
Spouse Pre-Tax Balance$0
Spouse Birth Year
Current Roth Balances
Roth Balance$0
Spouse Roth Balance$0
Inflation Assumption3.0%
Growth Assumption6.0%
Spouse 1 Allocation %50%
Active Projection Strategy:Current Inputs
(Select via
"Apply" in Strategy Optimizer)
Multi-Year Balance & RMD Projection
ⓘ
Active
Strategy:Current Inputs
Probability-Weighted Legacy Projection
Year
P(Survival)
Prob-Wgt Balance
Prob-Wgt Tax
S1-Only Bal/Tax
Both-Alive Bal/Tax
S2-Only Bal/Tax
PreTaxInsight: Purpose, Features & Legal Notice
PreTaxInsight is a free interactive tool designed around your unique financial
profile. It simplifies complex tax rules, helping you visualize how your decisions interact and
build a tax-efficient retirement withdrawal strategy tailored to your needs.
1
Tax Bracket Visualizer
Observe how progressive tax brackets, the Social Security tax torpedo, and
Medicare IRMAA tiers dynamically interact to impact your effective tax rate.
2
RMD-Aware Pre-Tax Balance Projection
Map your estimated pre-tax traditional balances over a rolling 30-year horizon,
accounting for mandatory Required Minimum Distributions (RMDs), market growth,
and inflation assumptions.
3
Bracket Saturation Solver
Automatically calculate precise distribution pathways that set your withdrawals
up to specific tax brackets or Medicare premium thresholds while holding holding
your other income sources intact.
4
Actuarial Model for Widow's Cliff
Leverages the Social Security Administration Period Life Table to model
continuous survival probabilities, generating a smooth expected-value timeline
that factors in the filing status shift if a spouse passes away.
5
Generational Tax Drag Estimation
Accounts for the IRS SECURE Act 10-Year Rule, which forces non-spouse heirs to
liquidate inherited accounts rapidly. The tool applies a baseline 1/3 tax
deduction model to visualize the expected tax liability passed down to children.
Legal Disclaimer
Calculations and statistical optimization projections are purely educational and do not
constitute certified tax, accounting, legal, or investment advice. Brackets fluctuate
annually; consult a credentialed fiduciary CPA before initiating formal portfolio
distributions.
1
Official IRS Source for 2026
Tax Brackets, SS tax deduction, Medicare IRMAA tiers and RMD tables are sourced from
the IRS.
We use this data to establish a baseline for taxes.
2
Key Assumptions
All income sources, federal tax brackets, and IRMAA premium tiers scale
dynamically with inflation.
Your current income determines your IRMAA premiums two years from now. This
tool uses today's thresholds as an estimate.
Inherited pretax accounts are modeled with a flat 33.3% structural tax drag to
account for accelerated 10-year heir liquidations.
The pretax balance projection assumes its own annual growth rate, with
distributions occurring at the end of each year.
3
SSA Period Life Table
SSA Period Life table is used to model continuous survival probabilities, generating
a smooth expected-value timeline to model Widow's Cliff and generational drag.
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Legal Disclaimer
Calculations and statistical optimization projections are purely educational and do not
constitute certified tax, accounting, legal, or investment advice. Brackets fluctuate annually;
consult a credentialed fiduciary CPA before initiating formal portfolio distributions.