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 $3,277,493
| 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 | $93,192 | $0 | $0 | $0 | $0 | $0 | $252,255 | $38,441 | $213,814 | $48,736 | $300,991 | $36,511 | $7,310 | $1,852 | $3,470 | $5,770 | $54,913 | 18.2% | 24.0% | $2,507,103 | $2,500,174 | $1,649,665 | $6,656,942 |
| 2035 | 74 | $103,656 | $88,107 | $74,932 | $98,318 | $0 | $0 | $0 | $0 | $0 | $261,357 | $37,821 | $223,535 | $49,955 | $311,311 | $38,845 | $7,493 | $1,898 | $3,922 | $5,770 | $57,927 | 18.6% | 24.0% | $2,541,268 | $2,650,184 | $1,753,085 | $6,944,538 |
| 2036 | 75 | $106,247 | $90,310 | $76,805 | $103,304 | $0 | $0 | $0 | $0 | $0 | $270,419 | $37,203 | $233,216 | $51,203 | $321,622 | $41,168 | $7,681 | $1,946 | $4,369 | $5,770 | $60,933 | 18.9% | 24.0% | $2,572,053 | $2,809,196 | $1,862,272 | $7,243,520 |
| 2037 | 76 | $108,903 | $92,568 | $78,725 | $108,525 | $0 | $0 | $0 | $0 | $0 | $279,818 | $36,562 | $243,256 | $52,483 | $332,302 | $43,578 | $7,873 | $1,994 | $4,835 | $5,770 | $64,049 | 19.3% | 24.0% | $2,599,021 | $2,977,747 | $1,977,558 | $7,554,327 |
| 2038 | 77 | $111,626 | $94,882 | $80,693 | $113,494 | $0 | $0 | $0 | $0 | $0 | $289,070 | $35,928 | $253,142 | $53,796 | $342,865 | $45,950 | $8,069 | $2,044 | $5,291 | $5,770 | $67,124 | 19.6% | 24.0% | $2,622,231 | $3,156,412 | $2,098,942 | $7,877,585 |
| 2039 | 78 | $114,416 | $97,254 | $82,711 | $119,192 | $0 | $0 | $0 | $0 | $0 | $299,157 | $35,500 | $263,657 | $55,140 | $354,297 | $48,474 | $8,271 | $2,095 | $5,834 | $5,770 | $70,443 | 19.9% | 24.0% | $2,640,706 | $3,345,797 | $2,227,141 | $8,213,643 |
| 2040 | 79 | $117,277 | $99,685 | $84,778 | $125,152 | $0 | $0 | $0 | $0 | $0 | $309,616 | $35,500 | $274,116 | $56,519 | $366,135 | $50,984 | $8,478 | $2,148 | $6,433 | $9,240 | $77,282 | 21.1% | 24.0% | $2,653,909 | $3,546,545 | $2,359,023 | $8,559,477 |
| 2041 | 80 | $120,209 | $102,177 | $86,898 | $131,382 | $0 | $0 | $0 | $0 | $0 | $320,457 | $35,500 | $284,957 | $57,932 | $378,389 | $53,586 | $8,690 | $2,201 | $7,055 | $9,240 | $80,772 | 21.3% | 24.0% | $2,661,266 | $3,759,337 | $2,498,467 | $8,919,071 |
| 2042 | 81 | $123,214 | $104,732 | $89,070 | $137,179 | $0 | $0 | $0 | $0 | $0 | $330,981 | $35,500 | $295,481 | $59,380 | $390,361 | $56,111 | $8,907 | $2,256 | $7,655 | $9,240 | $84,170 | 21.6% | 24.0% | $2,662,913 | $3,984,898 | $2,645,387 | $9,293,198 |
| 2043 | 82 | $126,294 | $107,350 | $91,297 | $143,941 | $0 | $0 | $0 | $0 | $0 | $342,588 | $35,500 | $307,088 | $60,865 | $403,453 | $58,897 | $9,130 | $2,313 | $8,322 | $9,240 | $87,902 | 21.8% | 24.0% | $2,657,515 | $4,223,991 | $2,800,701 | $9,682,208 |
| 2044 | 83 | $129,452 | $110,034 | $93,580 | $150,142 | $0 | $0 | $0 | $0 | $0 | $353,756 | $35,500 | $318,256 | $62,386 | $416,142 | $61,577 | $9,358 | $2,371 | $8,959 | $9,240 | $91,505 | 22.0% | 24.0% | $2,645,278 | $4,477,431 | $2,964,258 | $10,086,967 |
| 2045 | 84 | $132,688 | $112,785 | $95,919 | $157,457 | $0 | $0 | $0 | $0 | $0 | $366,161 | $35,500 | $330,661 | $63,946 | $430,107 | $64,555 | $9,592 | $2,430 | $9,674 | $9,240 | $95,490 | 22.2% | 24.0% | $2,624,651 | $4,746,077 | $3,137,107 | $10,507,835 |
| 2046 | 85 | $136,005 | $115,604 | $98,317 | $164,041 | $0 | $0 | $0 | $0 | $0 | $377,962 | $35,500 | $342,462 | $65,545 | $443,507 | $67,387 | $9,832 | $2,491 | $10,347 | $12,710 | $102,767 | 23.2% | 24.0% | $2,595,944 | $5,030,841 | $3,315,412 | $10,942,197 |
| 2047 | 86 | $139,405 | $118,494 | $100,775 | $170,786 | $0 | $0 | $0 | $0 | $0 | $390,055 | $35,500 | $354,555 | $67,183 | $457,238 | $70,289 | $10,077 | $2,553 | $11,038 | $12,710 | $106,668 | 23.3% | 24.0% | $2,558,542 | $5,332,692 | $3,503,028 | $11,394,262 |
| 2048 | 87 | $142,890 | $121,457 | $103,294 | $177,677 | $0 | $0 | $0 | $0 | $0 | $402,428 | $35,500 | $366,928 | $68,863 | $471,291 | $73,259 | $10,329 | $2,617 | $11,745 | $12,710 | $110,660 | 23.5% | 24.0% | $2,511,813 | $5,652,653 | $3,700,342 | $11,864,808 |
| 2049 | 88 | $146,463 | $124,493 | $105,877 | $183,344 | $0 | $0 | $0 | $0 | $0 | $413,714 | $35,500 | $378,214 | $70,584 | $484,298 | $75,967 | $10,588 | $2,682 | $12,380 | $12,710 | $114,327 | 23.6% | 24.0% | $2,456,535 | $5,991,813 | $3,906,765 | $12,355,112 |
| 2050 | 89 | $150,124 | $127,606 | $108,524 | $190,429 | $0 | $0 | $0 | $0 | $0 | $426,558 | $35,500 | $391,058 | $72,349 | $498,907 | $79,050 | $10,852 | $2,749 | $13,112 | $12,710 | $118,474 | 23.7% | 24.0% | $2,390,742 | $6,351,321 | $4,123,591 | $12,865,654 |
| 2051 | 90 | $153,877 | $130,796 | $111,237 | $195,962 | $0 | $0 | $0 | $0 | $0 | $437,995 | $35,500 | $402,495 | $74,158 | $512,153 | $81,795 | $11,124 | $2,818 | $13,753 | $12,710 | $122,199 | 23.9% | 24.0% | $2,315,492 | $6,732,401 | $4,350,018 | $13,397,911 |
| 2052 | 91 | $157,724 | $134,066 | $114,018 | $201,347 | $0 | $0 | $0 | $0 | $0 | $449,430 | $35,500 | $413,930 | $76,012 | $525,442 | $85,370 | $11,402 | $2,888 | $14,391 | $12,710 | $126,761 | 24.1% | 32.0% | $2,230,423 | $7,136,345 | $4,585,366 | $13,952,134 |
| 2053 | 92 | $161,667 | $137,417 | $116,868 | $206,521 | $0 | $0 | $0 | $0 | $0 | $460,806 | $35,500 | $425,306 | $77,912 | $538,718 | $89,010 | $11,687 | $2,961 | $15,023 | $12,710 | $131,391 | 24.4% | 32.0% | $2,135,217 | $7,564,525 | $4,829,661 | $14,529,403 |
| 2054 | 93 | $165,709 | $140,853 | $119,790 | $211,408 | $0 | $0 | $0 | $0 | $0 | $472,050 | $35,500 | $436,550 | $79,860 | $551,910 | $92,608 | $11,979 | $3,035 | $15,644 | $12,710 | $135,976 | 24.6% | 32.0% | $2,029,619 | $8,018,397 | $5,082,970 | $15,130,985 |
| 2055 | 94 | $169,852 | $144,374 | $122,784 | $213,644 | $0 | $0 | $0 | $0 | $0 | $480,803 | $35,500 | $445,303 | $81,856 | $562,659 | $95,409 | $12,278 | $3,111 | $16,105 | $12,710 | $139,613 | 24.8% | 32.0% | $1,915,853 | $8,499,501 | $5,343,850 | $15,759,204 |
| 2056 | 95 | $174,098 | $147,983 | $125,854 | $215,264 | $0 | $0 | $0 | $0 | $0 | $489,102 | $35,500 | $453,602 | $83,903 | $573,005 | $98,065 | $12,585 | $3,188 | $16,534 | $12,710 | $143,083 | 25.0% | 32.0% | $1,794,121 | $9,009,471 | $5,612,106 | $16,415,698 |
| 2057 | 96 | $178,451 | $151,683 | $129,000 | $213,586 | $0 | $0 | $0 | $0 | $0 | $494,269 | $35,500 | $458,769 | $86,000 | $580,270 | $99,718 | $12,900 | $3,268 | $16,761 | $12,710 | $145,358 | 25.1% | 32.0% | $1,667,465 | $9,550,039 | $5,885,821 | $17,103,325 |
| 2058 | 97 | $182,912 | $155,475 | $132,225 | $213,778 | $0 | $0 | $0 | $0 | $0 | $501,478 | $35,500 | $465,978 | $88,150 | $589,628 | $102,025 | $13,223 | $3,350 | $17,116 | $12,710 | $148,423 | 25.2% | 32.0% | $1,533,640 | $10,123,041 | $6,166,309 | $17,822,991 |
| 2059 | 98 | $187,485 | $159,362 | $135,531 | $210,088 | $0 | $0 | $0 | $0 | $0 | $504,981 | $35,500 | $469,481 | $90,354 | $595,335 | $103,146 | $13,553 | $3,433 | $17,232 | $12,710 | $150,074 | 25.2% | 32.0% | $1,396,348 | $10,730,424 | $6,451,258 | $18,578,029 |
| 2060 | 99 | $192,172 | $163,346 | $138,919 | $205,345 | $0 | $0 | $0 | $0 | $0 | $507,611 | $35,500 | $472,111 | $92,613 | $600,223 | $103,987 | $13,892 | $3,519 | $17,289 | $12,710 | $151,398 | 25.2% | 32.0% | $1,256,508 | $11,374,249 | $6,740,076 | $19,370,833 |
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.