Annual Model
Year-by-year projection
Every row solves the same sequence: required distributions first, then the spending gap funded from cash, taxable, traditional, and Roth in order, then the elected Roth conversion, then federal, preferential-rate, state, and IRMAA taxes.
Fill 22% Bracket
35 projected years · lifetime tax and surcharges $3,435,056
| Year | Age | Soc Sec | Taxable SS | Pension/other | RMD | QCD | Conversion | IRA w/d | Taxable w/d | Roth w/d | Ordinary inc | Deductions | Ord taxable | Pref income | MAGI | Federal | Pref rate | NIIT | State | IRMAA | Total tax | Eff rate | Marginal | Trad end | Roth end | Taxable end | Total end |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 65 | $83,000 | $70,550 | $60,000 | $0 | $0 | $114,700 | $0 | $49,493 | $0 | $245,250 | $33,850 | $211,400 | $40,000 | $285,250 | $35,932 | $6,000 | $1,340 | $3,452 | $5,770 | $52,493 | 18.4% | 22.0% | $2,516,492 | $757,582 | $1,552,500 | $5,030,088 |
| 2027 | 66 | $85,075 | $72,314 | $61,500 | $0 | $0 | $116,601 | $0 | $50,029 | $0 | $250,415 | $39,015 | $211,400 | $41,000 | $291,415 | $35,932 | $6,150 | $1,558 | $3,695 | $5,770 | $53,104 | 18.2% | 22.0% | $2,531,884 | $926,634 | $1,606,837 | $5,221,144 |
| 2028 | 67 | $87,202 | $74,122 | $63,037 | $0 | $0 | $113,198 | $0 | $50,099 | $0 | $250,357 | $38,957 | $211,400 | $42,025 | $292,382 | $35,932 | $6,304 | $1,597 | $3,648 | $5,770 | $53,251 | 18.2% | 22.0% | $2,551,714 | $1,102,222 | $1,663,077 | $5,424,287 |
| 2029 | 68 | $89,382 | $75,975 | $64,613 | $0 | $0 | $109,710 | $0 | $50,170 | $0 | $250,298 | $38,898 | $211,400 | $43,076 | $293,373 | $35,932 | $6,461 | $1,637 | $3,601 | $5,770 | $53,401 | 18.2% | 22.0% | $2,576,315 | $1,284,648 | $1,721,285 | $5,640,208 |
| 2030 | 69 | $91,616 | $77,874 | $66,229 | $0 | $0 | $106,134 | $0 | $50,243 | $0 | $250,237 | $38,837 | $211,400 | $44,153 | $294,389 | $35,932 | $6,623 | $1,678 | $3,552 | $5,770 | $53,554 | 18.2% | 22.0% | $2,606,041 | $1,474,228 | $1,781,529 | $5,869,632 |
| 2031 | 70 | $93,907 | $79,821 | $67,884 | $0 | $0 | $102,469 | $0 | $50,317 | $0 | $250,174 | $38,774 | $211,400 | $45,256 | $295,430 | $35,932 | $6,788 | $1,720 | $3,502 | $5,770 | $53,712 | 18.2% | 22.0% | $2,641,268 | $1,671,299 | $1,799,912 | $6,112,480 |
| 2032 | 71 | $96,255 | $81,816 | $69,582 | $0 | $0 | $98,712 | $0 | $50,394 | $0 | $250,110 | $38,710 | $211,400 | $46,388 | $296,498 | $35,932 | $6,958 | $1,763 | $3,451 | $5,770 | $53,873 | 18.2% | 22.0% | $2,682,397 | $1,876,212 | $1,810,751 | $6,369,360 |
| 2033 | 72 | $98,661 | $83,862 | $71,321 | $0 | $0 | $94,862 | $0 | $50,473 | $0 | $250,044 | $38,644 | $211,400 | $47,547 | $297,592 | $35,932 | $7,132 | $1,807 | $3,398 | $5,770 | $54,039 | 18.2% | 22.0% | $2,729,850 | $2,089,338 | $1,821,889 | $6,641,076 |
| 2034 | 73 | $101,127 | $85,958 | $73,104 | $103,013 | $0 | $0 | $0 | $0 | $0 | $262,076 | $37,851 | $224,224 | $48,736 | $310,812 | $39,010 | $7,310 | $1,852 | $4,013 | $5,770 | $57,955 | 18.6% | 24.0% | $2,771,312 | $2,214,698 | $1,936,074 | $6,922,084 |
| 2035 | 74 | $103,656 | $88,107 | $74,932 | $108,679 | $0 | $0 | $0 | $0 | $0 | $271,718 | $37,200 | $234,518 | $49,955 | $321,672 | $41,480 | $7,493 | $1,898 | $4,494 | $5,770 | $61,135 | 19.0% | 24.0% | $2,809,078 | $2,347,580 | $2,056,921 | $7,213,580 |
| 2036 | 75 | $106,247 | $90,310 | $76,805 | $114,190 | $0 | $0 | $0 | $0 | $0 | $281,305 | $36,549 | $244,756 | $51,203 | $332,509 | $43,937 | $7,681 | $1,946 | $4,971 | $5,770 | $64,304 | 19.3% | 24.0% | $2,843,107 | $2,488,435 | $2,184,520 | $7,516,062 |
| 2037 | 76 | $108,903 | $92,568 | $78,725 | $119,962 | $0 | $0 | $0 | $0 | $0 | $291,255 | $35,876 | $255,380 | $52,483 | $343,739 | $46,487 | $7,873 | $1,994 | $5,467 | $5,770 | $67,590 | 19.7% | 24.0% | $2,872,918 | $2,637,741 | $2,319,258 | $7,829,916 |
| 2038 | 77 | $111,626 | $94,882 | $80,693 | $125,455 | $0 | $0 | $0 | $0 | $0 | $301,030 | $35,500 | $265,530 | $53,796 | $354,826 | $48,923 | $8,069 | $2,044 | $6,019 | $5,770 | $70,825 | 20.0% | 24.0% | $2,898,573 | $2,796,005 | $2,461,150 | $8,155,728 |
| 2039 | 78 | $114,416 | $97,254 | $82,711 | $131,753 | $0 | $0 | $0 | $0 | $0 | $311,718 | $35,500 | $276,218 | $55,140 | $366,858 | $51,488 | $8,271 | $2,095 | $6,634 | $9,240 | $77,729 | 21.2% | 24.0% | $2,918,995 | $2,963,766 | $2,607,486 | $8,490,246 |
| 2040 | 79 | $117,277 | $99,685 | $84,778 | $138,341 | $0 | $0 | $0 | $0 | $0 | $322,805 | $35,500 | $287,305 | $56,519 | $379,324 | $54,149 | $8,478 | $2,148 | $7,273 | $9,240 | $81,288 | 21.4% | 24.0% | $2,933,590 | $3,141,592 | $2,762,185 | $8,837,367 |
| 2041 | 80 | $120,209 | $102,177 | $86,898 | $145,227 | $0 | $0 | $0 | $0 | $0 | $334,303 | $35,500 | $298,803 | $57,932 | $392,234 | $56,909 | $8,690 | $2,201 | $7,937 | $9,240 | $84,977 | 21.7% | 24.0% | $2,941,723 | $3,330,087 | $2,925,718 | $9,197,528 |
| 2042 | 81 | $123,214 | $104,732 | $89,070 | $151,635 | $0 | $0 | $0 | $0 | $0 | $345,437 | $35,500 | $309,937 | $59,380 | $404,818 | $59,581 | $8,907 | $2,256 | $8,576 | $9,240 | $88,560 | 21.9% | 24.0% | $2,943,542 | $3,529,892 | $3,098,010 | $9,571,445 |
| 2043 | 82 | $126,294 | $107,350 | $91,297 | $159,110 | $0 | $0 | $0 | $0 | $0 | $357,758 | $35,500 | $322,258 | $60,865 | $418,622 | $62,538 | $9,130 | $2,313 | $9,288 | $9,240 | $92,509 | 22.1% | 24.0% | $2,937,576 | $3,741,686 | $3,280,098 | $9,959,360 |
| 2044 | 83 | $129,452 | $110,034 | $93,580 | $165,965 | $0 | $0 | $0 | $0 | $0 | $369,578 | $35,500 | $334,078 | $62,386 | $431,965 | $65,375 | $9,358 | $2,371 | $9,967 | $9,240 | $96,310 | 22.3% | 24.0% | $2,924,050 | $3,966,187 | $3,471,837 | $10,362,073 |
| 2045 | 84 | $132,688 | $112,785 | $95,919 | $174,051 | $0 | $0 | $0 | $0 | $0 | $382,754 | $35,500 | $347,254 | $63,946 | $446,700 | $68,537 | $9,592 | $2,430 | $10,731 | $12,710 | $104,000 | 23.3% | 24.0% | $2,901,249 | $4,204,158 | $3,670,817 | $10,776,224 |
| 2046 | 85 | $136,005 | $115,604 | $98,317 | $181,328 | $0 | $0 | $0 | $0 | $0 | $395,249 | $35,500 | $359,749 | $65,545 | $460,794 | $71,536 | $9,832 | $2,491 | $11,449 | $12,710 | $108,017 | 23.4% | 24.0% | $2,869,516 | $4,456,408 | $3,880,260 | $11,206,185 |
| 2047 | 86 | $139,405 | $118,494 | $100,775 | $188,784 | $0 | $0 | $0 | $0 | $0 | $408,053 | $35,500 | $372,553 | $67,183 | $475,237 | $74,609 | $10,077 | $2,553 | $12,185 | $12,710 | $112,134 | 23.6% | 24.0% | $2,828,173 | $4,723,792 | $4,100,617 | $11,652,582 |
| 2048 | 87 | $142,890 | $121,457 | $103,294 | $196,401 | $0 | $0 | $0 | $0 | $0 | $421,152 | $35,500 | $385,652 | $68,863 | $490,015 | $77,752 | $10,329 | $2,617 | $12,937 | $12,710 | $116,346 | 23.7% | 24.0% | $2,776,519 | $5,007,220 | $4,332,340 | $12,116,080 |
| 2049 | 88 | $146,463 | $124,493 | $105,877 | $202,666 | $0 | $0 | $0 | $0 | $0 | $433,036 | $35,500 | $397,536 | $70,584 | $503,620 | $80,605 | $10,588 | $2,682 | $13,610 | $12,710 | $120,195 | 23.9% | 24.0% | $2,715,416 | $5,307,653 | $4,574,808 | $12,597,877 |
| 2050 | 89 | $150,124 | $127,606 | $108,524 | $210,497 | $0 | $0 | $0 | $0 | $0 | $446,627 | $35,500 | $411,127 | $72,349 | $518,976 | $84,472 | $10,852 | $2,749 | $14,390 | $12,710 | $125,175 | 24.1% | 32.0% | $2,642,689 | $5,626,112 | $4,828,851 | $13,097,653 |
| 2051 | 90 | $153,877 | $130,796 | $111,237 | $216,614 | $0 | $0 | $0 | $0 | $0 | $458,646 | $35,500 | $423,146 | $74,158 | $532,804 | $88,319 | $11,124 | $2,818 | $15,068 | $12,710 | $130,039 | 24.4% | 32.0% | $2,559,509 | $5,963,679 | $5,093,223 | $13,616,411 |
| 2052 | 91 | $157,724 | $134,066 | $114,018 | $222,566 | $0 | $0 | $0 | $0 | $0 | $470,649 | $35,500 | $435,149 | $76,012 | $546,661 | $92,160 | $11,402 | $2,888 | $15,742 | $12,710 | $134,903 | 24.7% | 32.0% | $2,465,475 | $6,321,500 | $5,368,117 | $14,155,092 |
| 2053 | 92 | $161,667 | $137,417 | $116,868 | $228,285 | $0 | $0 | $0 | $0 | $0 | $482,570 | $35,500 | $447,070 | $77,912 | $560,482 | $95,974 | $11,687 | $2,961 | $16,409 | $12,710 | $139,742 | 24.9% | 32.0% | $2,360,236 | $6,700,790 | $5,653,692 | $14,714,717 |
| 2054 | 93 | $165,709 | $140,853 | $119,790 | $233,687 | $0 | $0 | $0 | $0 | $0 | $494,329 | $35,500 | $458,829 | $79,860 | $574,189 | $99,737 | $11,979 | $3,035 | $17,064 | $12,710 | $144,525 | 25.2% | 32.0% | $2,243,509 | $7,102,837 | $5,950,052 | $15,296,399 |
| 2055 | 94 | $169,852 | $144,374 | $122,784 | $236,159 | $0 | $0 | $0 | $0 | $0 | $503,317 | $35,500 | $467,817 | $81,856 | $585,174 | $102,614 | $12,278 | $3,111 | $17,539 | $12,710 | $148,252 | 25.3% | 32.0% | $2,117,755 | $7,529,007 | $6,255,642 | $15,902,404 |
| 2056 | 95 | $174,098 | $147,983 | $125,854 | $237,950 | $0 | $0 | $0 | $0 | $0 | $511,787 | $35,500 | $476,287 | $83,903 | $595,690 | $105,324 | $12,585 | $3,188 | $17,979 | $12,710 | $151,787 | 25.5% | 32.0% | $1,983,194 | $7,980,748 | $6,570,281 | $16,534,223 |
| 2057 | 96 | $178,451 | $151,683 | $129,000 | $236,095 | $0 | $0 | $0 | $0 | $0 | $516,778 | $35,500 | $481,278 | $86,000 | $602,778 | $106,921 | $12,900 | $3,268 | $18,195 | $12,710 | $153,994 | 25.5% | 32.0% | $1,843,190 | $8,459,593 | $6,891,890 | $17,194,673 |
| 2058 | 97 | $182,912 | $155,475 | $132,225 | $236,306 | $0 | $0 | $0 | $0 | $0 | $524,007 | $35,500 | $488,507 | $88,150 | $612,157 | $109,234 | $13,223 | $3,350 | $18,551 | $12,710 | $157,068 | 25.7% | 32.0% | $1,695,262 | $8,967,168 | $7,221,961 | $17,884,392 |
| 2059 | 98 | $187,485 | $159,362 | $135,531 | $232,228 | $0 | $0 | $0 | $0 | $0 | $527,121 | $35,500 | $491,621 | $90,354 | $617,475 | $110,231 | $13,553 | $3,433 | $18,642 | $12,710 | $158,569 | 25.7% | 32.0% | $1,543,501 | $9,505,198 | $7,557,980 | $18,606,679 |
| 2060 | 99 | $192,172 | $163,346 | $138,919 | $226,985 | $0 | $0 | $0 | $0 | $0 | $529,251 | $35,500 | $493,751 | $92,613 | $621,864 | $110,912 | $13,892 | $3,519 | $18,668 | $12,710 | $159,702 | 25.7% | 32.0% | $1,388,924 | $10,075,510 | $7,899,337 | $19,363,771 |
Rows with a copper left edge incur a Medicare IRMAA surcharge based on modified AGI from two years earlier. "Pref rate" is tax on qualified dividends and long-term gains stacked on top of ordinary income; NIIT applies at 3.8% above the statutory MAGI threshold.