Bridge years covered–
Retirement runway–
Money lasts to age–Spouse 1 / Spouse 2
Spending that lasts to plan age–
Runway timeline
By Spouse 1's age. The bridge ends when penalty-free access to retirement accounts begins.
Roth conversion plan
Convert each year–
Tax on conversions–
Top federal bracket hit–
Roth at target age–
Each year's conversion, by federal tax bracket
With and without conversions
Tax implications
Balances by bucket
End-of-year balances, stacked, by Spouse 1's age.
Money in by year
Where each year's money comes from, against the total cost (living, healthcare, tax).
Where the money goes
Lifetime totals from each source into living costs, healthcare, taxes, and what is left at the plan age.
What if spending changes?
Age money runs out (Spouse 1) at different monthly spending. Drag the spending slider to move the marker.