Planners
The whole plan, not just one number.
Our free calculators answer one question at a time. These spreadsheets put the answers together, year by year, so you can see how one decision changes the next ones. They are built from the same IRS rules as the calculators, and every formula is visible.
- Instant download
- Excel, Google Sheets, Numbers
- Your numbers stay in your file
- One payment, no subscription
2026 tax rules
Retirement Withdrawal Planner
See how long your savings last, what you will pay in tax every year, and which withdrawal plan leaves you the most.
- Year-by-year plan for up to 50 years: income, withdrawals, tax and balances
- Required minimum distributions from the IRS tables (73 or 75)
- 2026 federal tax: brackets, senior deduction, taxable Social Security, capital gains, NIIT
- Medicare IRMAA surcharges, two years after the income
See the planner From $34 · one-time
Only need one number?
Every calculator on the site is free, with no sign-up. The planners are for when you want the whole picture in one file you keep.