Step 1: Your Profile and Resources

Indicate your household status and birth date to begin.

Marital Status

Married Single

Your Birth Date

Retirement Income and Assets

Select all sources that will be part of your retirement plan.

Financial Source	You
Income Sources
Social Security Benefit
Pension
Other Income Source
Asset Accounts
Qualified / Tax-Deferred Accounts Traditional 401k, IRA, 403b, SEP, 457b, etc.
Non-Qualified / After-Tax Accounts Roth IRA, Roth 401k, Roth 403b, Brokerage (cost basis), Savings

Information You'll Need

Your full Social Security Monthly Benefit (a/o age 67) if you don't have this number we will show you how to access it
The amount of any pension or fixed income you'll receive
The balance in your savings, brokerage and retirement accounts.

On the next few pages we'll ask you to input those figures and to set timelines for your retirement.

Qualified vs. Non-Qualified Accounts

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., Roth IRA, Roth 401k, Brokerage account — cost basis/principal, Savings) 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.

This model draws from your Non-Qualified accounts first (tax-free), then moves to Qualified accounts (applying a tax gross-up so you receive your target after-tax income).

Retirement Modeler

Step 1: Your Profile and Resources

Retirement Income and Assets

Qualified vs. Non-Qualified Accounts

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