You and your spending
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Your age now
Filing status
Single
Married filing jointly
Head of household
Household size
for the marketplace line
Spending this year ($)
before tax, all in
Other income ($ a year)
pension, rent, part-time
Your accounts
Taxable brokerage ($)
Cost basis (% of taxable)
the part that is not gain
Pre-tax IRA and 401(k) ($)
Roth IRA ($)
Roth contribution basis ($)
reachable any time
Cash ($)
Expected return (%)
Spending growth (%)
inflation
Strategy
How to fund the bridge
Taxable first, then a Roth ladder
72(t) on a carved-off IRA
Blend: 72(t) for part, ladder for the rest
Share of spending the 72(t) covers (%)
Cap conversions to stay under the marketplace 400% line
Your bridge
How this calculator is checked
Savings
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