Skip to content
TheMoney Pocket
Calculators115Guides166Planners1About

Topics

Business & Self-Employment TaxCanadian Capital Gains TaxCanadian Disability TaxCapital Gains TaxContractor BusinessEducation SavingsEstate PlanningFederal Income TaxPayroll TaxPermit & Inspection CostReal Estate InvestingRetirement Income TaxRetirement PlanningSavings & Personal FinanceSide Hustle & Online IncomeSIP & Mutual Fund InvestingState Tax ComparisonUS Import Tariffs & Duty CostUS Treasury Cash & TGAWorking Families Tax Cuts

Free · 1-page PDF-ready sheet

Your 2026 retirement limits, on one page

401(k), IRA, Roth, HSA, and catch-up limits — plus the income phase-outs and withdrawal rules that trip people up.

  • 401(k), IRA, HSA, and SIMPLE limits for 2026
  • New age 60–63 “super catch-up” amount
  • Roth IRA income phase-outs by filing status
  • Early-withdrawal exceptions and RMD ages

It unlocks right here on the page — we don’t send emails. The Money Pocket (IZ Labs Kft.) stores your address and never sells it. Privacy policy.

Retirement Withdrawal Planner · Excel & Google Sheets

Your 401(k) comes with a tax bill. Plan it before the IRS does.

Enter your savings once. See every year of your retirement: what to withdraw, what you’ll pay in tax, and how long your money lasts.

Get the planner — $39 See inside →

Roth conversions for this year must be done by December 31.

  • Ready in 15 minutes
  • Instant download
  • 2026 IRS rules
Dashboard of the Retirement Withdrawal Planner comparing two scenarios

Example inside

$42,762 less tax

You need this if…

  • You have $250,000+ in a 401(k), 403(b) or IRA
  • You are between 55 and 75
  • You don’t know what you’ll pay in tax once you retire
  • Nobody has shown you your RMDs yet

The IRS already has a plan for your 401(k).

From 73 or 75, it forces money out every year and taxes it. If you don’t plan the years before, the RMDs will decide your bracket for you.

Make your own plan first.

4 answers in 15 minutes

When your money runs out

The exact age — or proof that it doesn’t.

Your tax, every year

Federal and state, from your first year of retirement to your last.

Your forced withdrawals

When RMDs start, how big they get, and the bracket they push you into.

The plan that leaves you the most

Claiming age, Roth conversions, which account first — compared side by side.

The example inside the file

Same couple. Same savings. $161,290 apart.

Plan A

Social Security at 67. No conversions.

$190,128

lifetime tax

Plan B

Social Security at 70. Convert up to the 12% bracket, 65–69.

$147,366

lifetime tax

Plan B: $42,762 less tax and $161,290 more for the heirs.

Married couple, $1.3M saved, spending $85,000 a year. Today’s dollars, straight from the workbook. Your numbers will differ — that is why you run yours.

Lifetime taxless is better

Plan A$190,128
Plan B$147,366

Left to the heirs, after taxmore is better

Plan A$903,126
Plan B$1,064,416

The clock is already running

These dates don’t move. Each one you miss closes a door for good.

  • Dec 31Last day for this year’s Roth conversionA conversion only counts for the year it is done in. Every year you skip is one fewer low-tax year before RMDs.
  • 2028The $6,000 senior deduction endsEach person 65+ deducts up to $6,000 more through 2028. After that, the same income costs more tax.
  • 73 or 75RMDs start — ready or notMiss one and the penalty is up to 25% of the amount you should have taken.
  • +2 yearsYour income sets your Medicare billOne dollar over an IRMAA threshold raises your premiums for a full year, two years later.
Plan it now

What you download

Real screenshots. Fill in the cream cells — everything else updates on its own.

Dashboard of the Retirement Withdrawal Planner comparing two scenarios

The Dashboard. how long the money lasts, lifetime tax, and Scenario A vs. B.

Year-by-year plan with income, cash needs and balances for every year

The year-by-year plan. one row per year, from your first year to your last.

Social Security claiming table from 62 to 70 with totals collected by age

When to claim. every age from 62 to 70, totals by 80, 85 and 90, and the breakeven.

Inputs sheet with cream input cells and plain-English notes

Inputs. about 30 cream cells, each with a plain-English note.

Pick your edition

One payment. No subscription. Less than an hour with a financial planner.

Retirement Withdrawal Planner

Essentials

One plan, year by year.

$34one-time

  • 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
  • Dashboard: how long the money lasts, lifetime tax, legacy
  • Roth conversion planner that fills the bracket you choose
  • Scenario A vs. Scenario B, side by side, with the difference in dollars
  • Social Security claiming table, 62 to 70, with breakeven ages
Get Essentials — $34

Instant download · No subscription · 2026 tax rules

Best value

Retirement Withdrawal Planner

Complete

Test strategies side by side and keep the best one.

$39one-time

Only $5 more than Essentials for everything below.

  • 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
  • Dashboard: how long the money lasts, lifetime tax, legacy
  • Roth conversion planner that fills the bracket you choose
  • Scenario A vs. Scenario B, side by side, with the difference in dollars
  • Social Security claiming table, 62 to 70, with breakeven ages
Get Complete — $39

Instant download · No subscription · 2026 tax rules

Digital download: you get the file right after checkout, so all sales are final.

Frequently asked questions

Which apps does it work in?
Excel (Windows or Mac), Google Sheets and Apple Numbers. It is plain formulas: no macros, nothing to install.
Essentials or Complete?
Essentials shows one plan, year by year. Complete adds the Roth conversion planner, a second scenario side by side, and the best Social Security claiming age. Complete is only $5 more.
I’m single. Does it work for me?
Yes. Choose Single or Head of household and leave the spouse fields empty. Married filing separately is not covered.
What if the tax rules change?
It uses the 2026 IRS figures. When next year’s figures come out, we publish an updated file you can download again from your order.
Is this financial advice?
No. It shows what happens under your assumptions and today’s rules, for information only. Before a big move, show your plan to a tax professional — it will save you both time.
Who sees my numbers?
Nobody. The file lives on your computer or in your own Google Drive.

Your 401(k) already has a withdrawal plan. It’s the IRS’s.

Get yours in 15 minutes.

Get the planner — $39

Read before you plan

Just need one number? These calculators are free

For informational purposes only. The Retirement Withdrawal Planner is not tax, legal or investment advice and does not guarantee any result. It estimates outcomes from your assumptions and the 2026 federal tax rules, which can change. The example household is illustrative. See our disclosures.