Step 1: Your Profile and Resources

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Steps 1–7 are 100% free. Your complete Day 1 Retirement Income Statement — no payment needed. Steps 8–12 (the full Age 100 stress test) incorporate your pension, other fixed income, and retirement savings, and let you test different rates of inflation or return on other assets — $30 for 12 months of access. Complete the full 12-step model for as many scenarios as you choose, and we'll generate a customized projection report for each one. Save your work and return to it anytime.
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Your marital status and date of birth.

Marital Status: Single
Date of Birth: January 1960

Marital Status

Married Single

Your Birth Date

Account Types & Tax Treatment

Qualified / Tax-Deferred

A Qualified account (e.g., Traditional 401k, IRA, 403b, SEP, 457b) is funded with pre-tax dollars. The IRS deferred the tax when you contributed. When you withdraw money in retirement, you will owe ordinary income tax on every dollar you take out.

Non-Qualified / After-Tax

A Non-Qualified account (e.g., Brokerage account — cost basis/principal, Savings accounts, CDs) is funded with after-tax dollars. Because you already paid tax on those contributions, no additional income tax is owed on those withdrawals in this model.

Roth / Tax-Free

A Roth account (e.g., Roth IRA, Roth 401k, Roth 403b) is funded with after-tax dollars and grows tax-free. Qualified withdrawals in retirement are completely tax-free and Roth accounts are not subject to Required Minimum Distributions (RMDs), making them the most efficient long-term asset to preserve.

This model draws from your accounts in the optimal tax order: Non-Qualified first (tax-free, spend taxable brokerage/savings first), then Qualified (taxable income, drawn second), and Roth last (tax-free, preserved longest for maximum tax-free growth).

© 2026 Black Tupelo, LLC — The Retirement Modeler is a financial planning simulation tool for educational purposes only. It does not constitute financial, investment, tax, or legal advice. Liability is limited to the amount paid for access. Consult a licensed financial professional before making retirement decisions. • Terms of Service

Step 1: Your Profile and Resources

Account Types & Tax Treatment

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