A simpler retirement-tax conversation

Show the money left after taxes—not just the tax bill.

Compare two paths through your selected ending age using the same balance, tax rate, and growth assumption. The result is one plain-English, after-tax number customers can understand.

After-tax comparisonSame assumptionsYear-by-year view

Apples to apples at age 100

How much could be left after modeled taxes?

Estimated advantage: pay tax today$885,558

Paying the modeled tax today ends with more after-tax money in this illustration.

Stay in the traditional IRA$4,362,411IRA after estimated tax + after-tax RMD money

Pay the tax today$5,247,969Amount left after today's tax, grown tax-free

What “pay tax today” means hereThe modeled tax of $125,000 comes out of the current IRA, leaving $375,000 to grow tax-free at the selected 7% rate. Actual conversions, taxes, returns, and payment sources can differ.

Why your actual result may differThis version uses one assumed tax rate. Social Security, pensions, rental income, other income, deductions, filing status, state taxes, and Medicare premiums can change your actual tax rate—making the modeled benefit larger or smaller. It does not calculate your personal tax liability.

Ready for an anonymous illustration.

The simple math

Where the age-100 totals come from

Both paths are reduced to modeled after-tax money so the comparison is meaningful.

Traditional IRA after estimated age-100 tax$668,299

After-tax RMD money at age 100$3,694,112

Money left immediately after paying tax today$375,000

Estimated money at age 100

Both bars are after modeled taxes

Stay in the traditional IRA$4.4M

Pay tax today$5.2M

What “stay qualified” includes

Two after-tax pieces at age 100

$4.4M

Traditional IRA after estimated tax: $668.3K
RMD money invested after tax: $3.7M

Taxes paid by strategy

See where each tax total comes from

This is the tax-only view. The after-tax benefit at the top also includes the timing of those taxes and the growth of the money left invested.

Modeled tax	Stay qualified	Pay tax today
Tax paid today	$0	$125,000
RMD + investment taxes through age 100	$1,231,361	$0
Estimated tax on IRA remaining at age 100	$222,766	$0
Total modeled taxes	$1,454,127	$125,000

Nominal taxes avoided by paying today$1,329,127

The nominal tax difference is not the same as the estimated net benefit. It adds taxes paid in different years without discounting them; use the age-100 after-tax comparison above for the modeled bottom line.

Follow both paths

Year-by-year after-tax comparison

Both balances below are shown after modeled taxes, so you can see which strategy is ahead at the end of every year—not just at age 100.

End-of-year comparison in whole dollars. “Stay in the IRA” includes the IRA after its modeled tax plus RMD money invested after tax.
Age	Year	Stay in the IRA after-tax total	Pay tax today after-tax balance	Who is ahead?
62	2026	401,250	401,250	EvenSame modeled balance
63	2027	429,338	429,337	$1more by staying in the IRA
64	2028	459,391	459,390	$1more by staying in the IRA
65	2029	491,548	491,547	$1more by staying in the IRA
66	2030	525,956	525,955	$1more by staying in the IRA
67	2031	562,773	562,771	$2more by staying in the IRA
68	2032	602,166	602,164	$2more by staying in the IRA
69	2033	644,318	644,315	$3more by staying in the IRA
70	2034	689,420	689,417	$3more by staying in the IRA
71	2035	737,679	737,676	$3more by staying in the IRA
72	2036	789,315	789,313	$2more by staying in the IRA
73	2037	844,567	844,564	$3more by staying in the IRA
74	2038	903,687	903,683	$4more by staying in the IRA
75	2039	966,944	966,940	$4more by staying in the IRA
76	2040	1,033,986	1,034,625	$639more by paying tax today
77	2041	1,105,000	1,107,048	$2,048more by paying tax today
78	2042	1,180,182	1,184,541	$4,359more by paying tax today
79	2043	1,259,734	1,267,458	$7,724more by paying tax today
80	2044	1,343,860	1,356,180	$12,320more by paying tax today
81	2045	1,432,770	1,451,112	$18,342more by paying tax today
82	2046	1,526,688	1,552,689	$26,001more by paying tax today
83	2047	1,625,834	1,661,377	$35,543more by paying tax today
84	2048	1,730,443	1,777,673	$47,230more by paying tax today
85	2049	1,840,744	1,902,110	$61,366more by paying tax today
86	2050	1,956,983	2,035,257	$78,274more by paying tax today
87	2051	2,079,406	2,177,724	$98,318more by paying tax today
88	2052	2,208,268	2,330,164	$121,896more by paying tax today
89	2053	2,343,837	2,493,275	$149,438more by paying tax today
90	2054	2,486,375	2,667,804	$181,429more by paying tax today
91	2055	2,636,163	2,854,550	$218,387more by paying tax today
92	2056	2,793,487	3,054,368	$260,881more by paying tax today
93	2057	2,958,645	3,268,173	$309,528more by paying tax today
94	2058	3,131,935	3,496,945	$365,010more by paying tax today
95	2059	3,313,691	3,741,731	$428,040more by paying tax today
96	2060	3,504,255	4,003,652	$499,397more by paying tax today
97	2061	3,704,009	4,283,907	$579,898more by paying tax today
98	2062	3,913,332	4,583,780	$670,448more by paying tax today
99	2063	4,132,649	4,904,644	$771,995more by paying tax today
100	2064	4,362,411	5,247,969	$885,558more by paying tax today

Show detailed IRA, RMD, and tax activity

Detailed stay-qualified projection in whole dollars. “RMD money” is the account funded by distributions after tax.
Age	Year	RMD factor	RMD	Traditional IRA before final tax	RMD money invested after tax	RMD tax	Investment tax drag
62	2026	—	0	535,000	0	0	0
63	2027	—	0	572,450	0	0	0
64	2028	—	0	612,521	0	0	0
65	2029	—	0	655,397	0	0	0
66	2030	—	0	701,274	0	0	0
67	2031	—	0	750,363	0	0	0
68	2032	—	0	802,888	0	0	0
69	2033	—	0	859,090	0	0	0
70	2034	29.1	0	919,226	0	0	0
71	2035	28.2	0	983,571	0	0	0
72	2036	27.4	0	1,052,420	0	0	0
73	2037	26.5	0	1,126,089	0	0	0
74	2038	25.5	0	1,204,915	0	0	0
75	2039	24.6	48,980	1,240,278	36,735	12,245	0
76	2040	23.7	52,332	1,274,765	77,912	13,083	642
77	2041	22.9	55,667	1,308,331	123,751	13,917	1,363
78	2042	22.0	59,470	1,340,444	174,849	14,867	2,165
79	2043	21.1	63,528	1,370,746	231,674	15,882	3,059
80	2044	20.2	67,859	1,398,839	294,730	16,964	4,054
81	2045	19.4	72,105	1,424,652	364,281	18,027	5,157
82	2046	18.5	77,008	1,447,369	441,161	19,252	6,374
83	2047	17.7	81,772	1,466,912	525,650	20,443	7,720
84	2048	16.8	87,316	1,482,279	618,733	21,829	9,198
85	2049	16.0	92,642	1,493,396	720,697	23,161	10,827
86	2050	15.2	98,250	1,499,683	832,220	24,562	12,612
87	2051	14.4	104,145	1,500,516	954,019	26,036	14,563
88	2052	13.7	109,527	1,496,025	1,086,249	27,381	16,695
89	2053	12.9	115,971	1,484,775	1,230,255	28,992	19,009
90	2054	12.2	121,703	1,467,006	1,386,120	30,425	21,529
91	2055	11.5	127,566	1,442,130	1,554,565	31,891	24,257
92	2056	10.8	133,531	1,409,548	1,736,326	33,383	27,204
93	2057	10.1	139,559	1,368,657	1,932,152	34,890	30,385
94	2058	9.5	144,069	1,320,393	2,141,640	36,018	33,812
95	2059	8.9	148,359	1,264,461	2,365,345	37,089	37,478
96	2060	8.4	150,531	1,202,442	2,602,423	37,633	41,393
97	2061	7.8	154,159	1,132,453	2,854,669	38,540	45,542
98	2062	7.3	155,131	1,056,594	3,120,886	38,783	49,956
99	2063	6.8	155,381	975,174	3,401,268	38,845	54,615
100	2064	6.4	152,371	891,065	3,694,112	38,092	59,522

What this helps clarify

A clearer view of the retirement-tax trade-off

Compare both strategies in after-tax dollars using the same starting balance, time horizon, tax rate, and growth assumption.

For people planning retirement

Turn a complicated tax question into a visual comparison you can follow from today through your selected ending age.

See both paths in after-tax dollars.
Follow the comparison year by year.
Adjust the assumptions to explore different scenarios.

For advisors and educators

Use a consistent illustration to make assumptions visible and help clients ask better, more informed questions.

Begin with a simple client conversation.
Explain where each ending balance comes from.
Print or save the illustration for discussion.

Designed for understanding

Transparent assumptions. Plain-English results.

This educational illustration keeps the comparison focused while making its important limitations easy to find.

Same starting point

One balance, two paths

Both strategies begin with the same retirement-account balance so the comparison starts on equal footing.

Same time horizon

Follow every year

Use the adjustable ending age to see how the modeled difference changes over a shorter or longer retirement.

After-tax finish line

Compare what may remain

The headline comparison includes modeled taxes on both paths—not an IRA balance compared with an after-tax balance.

The next conversation

Use the result to ask better questions

Explore how the assumptions change the illustration, then review taxes, income sources, and implementation choices with qualified professionals before taking action.

Adjust the illustration ↑

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Client illustration

Retirement planning report

Retirement
Tax Studio

Qualified Account Tax Comparison

A plain-English look at the modeled money left after taxes.

Starting balance: $500,000
Current age: 62
Project through: Age 100

Path 01

Stay in the traditional IRA

Keep the account tax-deferred and model required minimum distributions.

Path 02

Pay the modeled tax today

Pay the assumed tax now and model the remaining amount growing tax-free.

This is a hypothetical educational illustration, not a recommendation or a calculation of personal tax liability. Actual taxes, returns, distributions, laws, and account choices can differ.

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Modeled tax impact

Analysis assumptions

One starting point. Two modeled paths.

Current qualified balance: $500,000
Current age: 62
Project through age: 100
Assumed tax rate: 25%
Assumed annual growth: 7%
Modeled RMD starting age: 75

Estimated after-tax advantage at age 100$885,558

The pay-tax-today path finishes ahead in this illustration.

Modeled after-tax money at age 100

Stay in the traditional IRA$4,362,411

Pay the modeled tax today$5,247,969

Modeled taxes by strategy
Modeled tax	Stay qualified	Pay tax today
Tax paid today	$0	$125,000
RMD and investment taxes	$1,231,361	$0
Tax on remaining IRA at age 100	$222,766	$0
Total modeled taxes	$1,454,127	$125,000

Nominal tax difference: $1,329,127. This is not the same as the after-tax advantage because it adds taxes paid in different years without discounting them.

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Year-by-year comparison

Projection detail

After-tax strategy balances

Ages 62 through 83

Age	Year	Stay in IRA after-tax total	Pay tax today after-tax balance	Modeled difference
62	2026	$401,250	$401,250	EvenSame modeled balance
63	2027	$429,338	$429,337	$1Stay in IRA ahead
64	2028	$459,391	$459,390	$1Stay in IRA ahead
65	2029	$491,548	$491,547	$1Stay in IRA ahead
66	2030	$525,956	$525,955	$1Stay in IRA ahead
67	2031	$562,773	$562,771	$2Stay in IRA ahead
68	2032	$602,166	$602,164	$2Stay in IRA ahead
69	2033	$644,318	$644,315	$3Stay in IRA ahead
70	2034	$689,420	$689,417	$3Stay in IRA ahead
71	2035	$737,679	$737,676	$3Stay in IRA ahead
72	2036	$789,315	$789,313	$2Stay in IRA ahead
73	2037	$844,567	$844,564	$3Stay in IRA ahead
74	2038	$903,687	$903,683	$4Stay in IRA ahead
75	2039	$966,944	$966,940	$4Stay in IRA ahead
76	2040	$1,033,986	$1,034,625	$639Pay tax today ahead
77	2041	$1,105,000	$1,107,048	$2,048Pay tax today ahead
78	2042	$1,180,182	$1,184,541	$4,359Pay tax today ahead
79	2043	$1,259,734	$1,267,458	$7,724Pay tax today ahead
80	2044	$1,343,860	$1,356,180	$12,320Pay tax today ahead
81	2045	$1,432,770	$1,451,112	$18,342Pay tax today ahead
82	2046	$1,526,688	$1,552,689	$26,001Pay tax today ahead
83	2047	$1,625,834	$1,661,377	$35,543Pay tax today ahead

The stay-qualified total combines the traditional IRA after its modeled tax with the after-tax account funded by modeled RMDs.

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Year-by-year comparison

Projection detail

After-tax strategy balances

Ages 84 through 100

Age	Year	Stay in IRA after-tax total	Pay tax today after-tax balance	Modeled difference
84	2048	$1,730,443	$1,777,673	$47,230Pay tax today ahead
85	2049	$1,840,744	$1,902,110	$61,366Pay tax today ahead
86	2050	$1,956,983	$2,035,257	$78,274Pay tax today ahead
87	2051	$2,079,406	$2,177,724	$98,318Pay tax today ahead
88	2052	$2,208,268	$2,330,164	$121,896Pay tax today ahead
89	2053	$2,343,837	$2,493,275	$149,438Pay tax today ahead
90	2054	$2,486,375	$2,667,804	$181,429Pay tax today ahead
91	2055	$2,636,163	$2,854,550	$218,387Pay tax today ahead
92	2056	$2,793,487	$3,054,368	$260,881Pay tax today ahead
93	2057	$2,958,645	$3,268,173	$309,528Pay tax today ahead
94	2058	$3,131,935	$3,496,945	$365,010Pay tax today ahead
95	2059	$3,313,691	$3,741,731	$428,040Pay tax today ahead
96	2060	$3,504,255	$4,003,652	$499,397Pay tax today ahead
97	2061	$3,704,009	$4,283,907	$579,898Pay tax today ahead
98	2062	$3,913,332	$4,583,780	$670,448Pay tax today ahead
99	2063	$4,132,649	$4,904,644	$771,995Pay tax today ahead
100	2064	$4,362,411	$5,247,969	$885,558Pay tax today ahead

The stay-qualified total combines the traditional IRA after its modeled tax with the after-tax account funded by modeled RMDs.

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Important disclosures

Read before using this illustration

Important limitations and assumptions

Educational use only. This report is a hypothetical illustration and does not provide tax, legal, investment, accounting, or insurance advice. It is not a recommendation to convert, withdraw, purchase, sell, or reallocate any account or product.

One assumed tax rate. The model applies the selected rate for illustrative purposes. It does not calculate an individual's marginal or effective tax rate. Social Security, pensions, rental income, other income, deductions, filing status, state taxes, Medicare premiums, and future law changes can make actual results higher or lower.

Modeled growth is not guaranteed. The selected annual growth rate is applied consistently for comparison. Actual returns may be positive or negative, may vary by year, and may be reduced by fees, expenses, or product charges not included here.

Pay-tax-today assumption. The illustration assumes the modeled tax is paid from the current qualified-account balance. Paying taxes from outside assets would change the comparison. Eligibility, timing, tax consequences, account type, and implementation must be reviewed separately.

Required minimum distributions. Modeled RMDs use the calculator's stated rules version and an applicable uniform-lifetime divisor. Actual RMD requirements depend on current law, account ownership, beneficiary status, birth year, and other facts.

Ending balances. The stay-qualified ending value includes the traditional account after an estimated tax plus modeled after-tax RMD money. The pay-tax-today ending value is the modeled balance after today's assumed tax and subsequent tax-free growth. These are estimates, not guarantees or account statements.

Professional review. Consult qualified tax, legal, and financial professionals before taking action. Advisors and firms should obtain any required compliance approval before using this report with clients.

Calculation versionreference-compatibility-plus-net-2026.5Rules versionIRS Publication 590-B 2025 table through age 140

Show the money left after taxes—not just the tax bill.

Build a scenario

How much could be left after modeled taxes?

Where the age-100 totals come from

Estimated money at age 100

What “stay qualified” includes

See where each tax total comes from

Year-by-year after-tax comparison

A clearer view of the retirement-tax trade-off

For people planning retirement

For advisors and educators

Transparent assumptions. Plain-English results.

One balance, two paths

Follow every year

Compare what may remain

Use the result to ask better questions