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Retirement Planner with Taxes for a Deferred Retirement Savings Plan

Your tax-deferred plan

2026 federal brackets, indexed for inflation

$

Traditional 401(k), 403(b), 457(b) or IRA money that has not been taxed yet.

$
%

Your contributions plus any employer match.

$/ year

Household benefit in today's dollars. Use 0 to leave it out.

%
%
More options
%
%

Raises withdrawals, benefits and tax brackets each year.

$/ year

In today's dollars, rising with inflation from retirement.

%

A flat rate on plan withdrawals and pension income. Most states do not tax Social Security.

Your retirement income

After-tax income, first year

–

Plan withdrawal, first year

–

Tax on that withdrawal

–

Amounts above are in today's dollars.

Plan balance at retirement–
Same balance in today's dollars–
Effective tax rate on plan withdrawals–
Federal bracket in the first year–
Share of final salary replaced after tax–
Total tax on withdrawals, all years (today's $)–

Retirement income and taxes by year

Withdrawals rise with inflation and are sized to use up the plan by your chosen age. Amounts are in future dollars except the last column.

AgeYearPlan withdrawalSocial SecurityFederal taxState taxAfter-tax incomeIn today's $Plan balance at year end

Results are estimates for educational purposes and are not financial, tax or legal advice.

Project what a traditional 401(k), 403(b) or IRA will hold when you retire, turn it into a yearly income that lasts to the age you choose, and see how much is left after federal and state income tax. The life expectancy calculator is free to use with no sign-up, and works on desktop and mobile.