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 $3,303,915
| 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 | $0 | $0 | $60,000 | $0 | $0 | $185,250 | $0 | $136,672 | $0 | $245,250 | $33,850 | $211,400 | $40,000 | $285,250 | $35,932 | $6,000 | $1,340 | $7,631 | $5,770 | $56,672 | 19.9% | 22.0% | $2,442,061 | $832,365 | $1,552,500 | $4,941,955 |
| 2027 | 66 | $0 | $0 | $61,500 | $0 | $0 | $188,915 | $0 | $139,433 | $0 | $250,415 | $39,015 | $211,400 | $41,000 | $291,415 | $35,932 | $6,150 | $1,558 | $8,023 | $5,770 | $57,433 | 19.7% | 22.0% | $2,377,069 | $1,082,557 | $1,581,579 | $5,041,205 |
| 2028 | 67 | $47,278 | $40,186 | $63,037 | $0 | $0 | $147,133 | $0 | $91,899 | $0 | $250,357 | $38,957 | $211,400 | $42,025 | $292,382 | $35,932 | $6,304 | $1,597 | $5,525 | $5,770 | $55,127 | 18.9% | 22.0% | $2,352,583 | $1,303,471 | $1,541,818 | $5,197,872 |
| 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% | $2,366,231 | $1,497,972 | $1,543,856 | $5,408,059 |
| 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% | $2,384,402 | $1,700,352 | $1,545,890 | $5,630,644 |
| 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% | $2,407,440 | $1,910,990 | $1,547,917 | $5,866,348 |
| 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% | $2,435,708 | $2,130,284 | $1,549,937 | $6,115,929 |
| 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% | $2,469,593 | $2,358,655 | $1,551,945 | $6,380,193 |
| 2034 | 73 | $101,127 | $85,958 | $73,104 | $0 | $0 | $90,915 | $0 | $50,552 | $0 | $249,977 | $38,577 | $211,400 | $48,736 | $298,713 | $35,932 | $7,310 | $1,851 | $3,344 | $5,770 | $54,207 | 18.1% | 22.0% | $2,509,505 | $2,596,544 | $1,553,942 | $6,659,991 |
| 2035 | 74 | $103,656 | $88,107 | $74,932 | $0 | $0 | $0 | $0 | $25,960 | $0 | $163,039 | $43,720 | $119,319 | $49,955 | $212,994 | $15,674 | $7,493 | $0 | $769 | $5,770 | $29,706 | 13.9% | 22.0% | $2,647,528 | $2,752,336 | $1,581,462 | $6,981,326 |
| 2036 | 75 | $106,247 | $90,310 | $76,805 | $107,623 | $0 | $0 | $0 | $0 | $0 | $274,738 | $36,944 | $237,795 | $51,203 | $325,942 | $42,267 | $7,681 | $1,946 | $4,608 | $5,770 | $62,271 | 19.1% | 24.0% | $2,679,600 | $2,917,476 | $1,687,727 | $7,284,804 |
| 2037 | 76 | $108,903 | $92,568 | $78,725 | $113,063 | $0 | $0 | $0 | $0 | $0 | $284,356 | $36,290 | $248,067 | $52,483 | $336,840 | $44,732 | $7,873 | $1,994 | $5,086 | $0 | $59,684 | 17.7% | 24.0% | $2,707,696 | $3,092,525 | $1,806,119 | $7,606,340 |
| 2038 | 77 | $111,626 | $94,882 | $80,693 | $118,240 | $0 | $0 | $0 | $0 | $0 | $293,815 | $35,643 | $258,172 | $53,796 | $347,611 | $47,157 | $8,069 | $2,044 | $5,559 | $5,770 | $68,599 | 19.7% | 24.0% | $2,731,876 | $3,278,076 | $1,924,887 | $7,934,840 |
| 2039 | 78 | $114,416 | $97,254 | $82,711 | $124,176 | $0 | $0 | $0 | $0 | $0 | $304,141 | $35,500 | $268,641 | $55,140 | $359,281 | $49,670 | $8,271 | $2,095 | $6,151 | $5,770 | $71,957 | 20.0% | 24.0% | $2,751,124 | $3,474,761 | $2,050,585 | $8,276,470 |
| 2040 | 79 | $117,277 | $99,685 | $84,778 | $130,385 | $0 | $0 | $0 | $0 | $0 | $314,849 | $35,500 | $279,349 | $56,519 | $371,368 | $52,240 | $8,478 | $2,148 | $6,766 | $9,240 | $78,872 | 21.2% | 24.0% | $2,764,879 | $3,683,247 | $2,180,060 | $8,628,186 |
| 2041 | 80 | $120,209 | $102,177 | $86,898 | $136,875 | $0 | $0 | $0 | $0 | $0 | $325,951 | $35,500 | $290,451 | $57,932 | $383,882 | $54,904 | $8,690 | $2,201 | $7,405 | $9,240 | $82,440 | 21.5% | 24.0% | $2,772,544 | $3,904,242 | $2,317,199 | $8,993,985 |
| 2042 | 81 | $123,214 | $104,732 | $89,070 | $142,915 | $0 | $0 | $0 | $0 | $0 | $336,717 | $35,500 | $301,217 | $59,380 | $396,097 | $57,488 | $8,907 | $2,256 | $8,020 | $9,240 | $85,912 | 21.7% | 24.0% | $2,774,259 | $4,138,496 | $2,461,909 | $9,374,664 |
| 2043 | 82 | $126,294 | $107,350 | $91,297 | $149,960 | $0 | $0 | $0 | $0 | $0 | $348,607 | $35,500 | $313,107 | $60,865 | $409,472 | $60,342 | $9,130 | $2,313 | $8,705 | $9,240 | $89,730 | 21.9% | 24.0% | $2,768,636 | $4,386,806 | $2,615,139 | $9,770,580 |
| 2044 | 83 | $129,452 | $110,034 | $93,580 | $156,420 | $0 | $0 | $0 | $0 | $0 | $360,034 | $35,500 | $324,534 | $62,386 | $422,420 | $63,084 | $9,358 | $2,371 | $9,359 | $9,240 | $93,412 | 22.1% | 24.0% | $2,755,887 | $4,650,014 | $2,776,725 | $10,182,626 |
| 2045 | 84 | $132,688 | $112,785 | $95,919 | $164,041 | $0 | $0 | $0 | $0 | $0 | $372,745 | $35,500 | $337,245 | $63,946 | $436,691 | $66,135 | $9,592 | $2,430 | $10,093 | $9,240 | $97,489 | 22.3% | 24.0% | $2,734,398 | $4,929,015 | $2,947,755 | $10,611,168 |
| 2046 | 85 | $136,005 | $115,604 | $98,317 | $170,900 | $0 | $0 | $0 | $0 | $0 | $384,821 | $35,500 | $349,321 | $65,545 | $450,366 | $69,033 | $9,832 | $2,491 | $10,784 | $12,710 | $104,850 | 23.3% | 24.0% | $2,704,491 | $5,224,756 | $3,124,375 | $11,053,622 |
| 2047 | 86 | $139,405 | $118,494 | $100,775 | $177,927 | $0 | $0 | $0 | $0 | $0 | $397,196 | $35,500 | $361,696 | $67,183 | $464,380 | $72,003 | $10,077 | $2,553 | $11,493 | $12,710 | $108,837 | 23.4% | 24.0% | $2,665,525 | $5,538,241 | $3,310,452 | $11,514,218 |
| 2048 | 87 | $142,890 | $121,457 | $103,294 | $185,106 | $0 | $0 | $0 | $0 | $0 | $409,857 | $35,500 | $374,357 | $68,863 | $478,720 | $75,042 | $10,329 | $2,617 | $12,218 | $12,710 | $112,916 | 23.6% | 24.0% | $2,616,842 | $5,870,536 | $3,506,379 | $11,993,757 |
| 2049 | 88 | $146,463 | $124,493 | $105,877 | $191,010 | $0 | $0 | $0 | $0 | $0 | $421,380 | $35,500 | $385,880 | $70,584 | $491,965 | $77,807 | $10,588 | $2,682 | $12,868 | $12,710 | $116,656 | 23.7% | 24.0% | $2,559,252 | $6,222,768 | $3,711,539 | $12,493,559 |
| 2050 | 89 | $150,124 | $127,606 | $108,524 | $198,392 | $0 | $0 | $0 | $0 | $0 | $434,521 | $35,500 | $399,021 | $72,349 | $506,870 | $80,961 | $10,852 | $2,749 | $13,619 | $12,710 | $120,892 | 23.9% | 24.0% | $2,490,708 | $6,596,134 | $3,927,271 | $13,014,113 |
| 2051 | 90 | $153,877 | $130,796 | $111,237 | $204,156 | $0 | $0 | $0 | $0 | $0 | $446,189 | $35,500 | $410,689 | $74,158 | $520,347 | $84,332 | $11,124 | $2,818 | $14,274 | $12,710 | $125,259 | 24.1% | 32.0% | $2,412,312 | $6,991,902 | $4,152,141 | $13,556,354 |
| 2052 | 91 | $157,724 | $134,066 | $114,018 | $209,766 | $0 | $0 | $0 | $0 | $0 | $457,849 | $35,500 | $422,349 | $76,012 | $533,861 | $88,064 | $11,402 | $2,888 | $14,927 | $12,710 | $129,992 | 24.3% | 32.0% | $2,323,686 | $7,411,416 | $4,385,933 | $14,121,034 |
| 2053 | 92 | $161,667 | $137,417 | $116,868 | $215,156 | $0 | $0 | $0 | $0 | $0 | $469,441 | $35,500 | $433,941 | $77,912 | $547,353 | $91,773 | $11,687 | $2,961 | $15,573 | $12,710 | $134,704 | 24.6% | 32.0% | $2,224,499 | $7,856,101 | $4,628,756 | $14,709,356 |
| 2054 | 93 | $165,709 | $140,853 | $119,790 | $220,247 | $0 | $0 | $0 | $0 | $0 | $480,890 | $35,500 | $445,390 | $79,860 | $560,750 | $95,437 | $11,979 | $3,035 | $16,208 | $12,710 | $139,368 | 24.9% | 32.0% | $2,114,485 | $8,327,467 | $4,880,672 | $15,322,624 |
| 2055 | 94 | $169,852 | $144,374 | $122,784 | $222,577 | $0 | $0 | $0 | $0 | $0 | $489,736 | $35,500 | $454,236 | $81,856 | $571,592 | $98,267 | $12,278 | $3,111 | $16,674 | $12,710 | $143,041 | 25.0% | 32.0% | $1,995,963 | $8,827,115 | $5,140,170 | $15,963,247 |
| 2056 | 95 | $174,098 | $147,983 | $125,854 | $224,265 | $0 | $0 | $0 | $0 | $0 | $498,103 | $35,500 | $462,603 | $83,903 | $582,006 | $100,945 | $12,585 | $3,188 | $17,107 | $12,710 | $146,536 | 25.2% | 32.0% | $1,869,140 | $9,356,742 | $5,407,038 | $16,632,921 |
| 2057 | 96 | $178,451 | $151,683 | $129,000 | $222,517 | $0 | $0 | $0 | $0 | $0 | $503,200 | $35,500 | $467,700 | $86,000 | $589,200 | $102,576 | $12,900 | $3,268 | $17,330 | $12,710 | $148,784 | 25.3% | 32.0% | $1,737,188 | $9,918,147 | $5,679,273 | $17,334,608 |
| 2058 | 97 | $182,912 | $155,475 | $132,225 | $222,716 | $0 | $0 | $0 | $0 | $0 | $510,417 | $35,500 | $474,917 | $88,150 | $598,567 | $104,885 | $13,223 | $3,350 | $17,685 | $12,710 | $151,853 | 25.4% | 32.0% | $1,597,768 | $10,513,235 | $5,958,234 | $18,069,237 |
| 2059 | 98 | $187,485 | $159,362 | $135,531 | $218,872 | $0 | $0 | $0 | $0 | $0 | $513,765 | $35,500 | $478,265 | $90,354 | $604,119 | $105,957 | $13,553 | $3,433 | $17,791 | $12,710 | $153,445 | 25.4% | 32.0% | $1,454,735 | $11,144,029 | $6,241,503 | $18,840,267 |
| 2060 | 99 | $192,172 | $163,346 | $138,919 | $213,932 | $0 | $0 | $0 | $0 | $0 | $516,197 | $35,500 | $480,697 | $92,613 | $608,810 | $106,735 | $13,892 | $3,519 | $17,836 | $12,710 | $154,693 | 25.4% | 32.0% | $1,309,047 | $11,812,671 | $6,528,457 | $19,650,175 |
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.