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How an early retiree pays for the years between leaving work and 59 1/2, one year at a time, under three strategies: taxable first with a Roth conversion ladder, a 72(t) series on

A retiree's federal income tax for tax year 2026: the taxable share of Social Security (the Publication 915 worksheet), the standard deduction with the 65-plus additions and the se

The full text of one savingslast.com page as markdown, by id from search, by slug, or by URL. Every calculator page carries its explanation, worked figures and FAQ; guides carry th

Month-by-month drawdown of a retirement balance: how many years the money lasts at a monthly withdrawal that rises with inflation, the age it runs out, the odds of being alive then

A withdrawal schedule for a non-spouse heir under the 10-year rule: the level annual withdrawal that empties the account exactly at the deadline, year-by-year balances and tax at a

Every page on savingslast.com with its URL, title, description and section, optionally one section only. Sections: Calculators; How long will a balance last; Reference; Retirement

Compares a pension's lump-sum offer with its monthly annuity: the payout rate the pension implies, the age the invested lump sum runs out paying the same amount, the steady return

The required minimum distribution for a year from a traditional IRA, 401(k) or similar account: the prior 31 December balance divided by the IRS Uniform Lifetime Table factor at th

What converting an amount from a traditional IRA or 401(k) to a Roth costs in federal tax for 2026, on top of everything else that year, including the extra Social Security it make

Full-text search across every page on savingslast.com: the calculators, the guides, the Social Security pages, the state retirement-tax pages and the reference pages. Returns ids t

The date a 72(t) series may be changed without the recapture penalty: the later of five years from the first payment and the owner reaching 59 1/2, computed in calendar months the

The annual 72(t) substantially equal periodic payment under all three IRS methods in Notice 2022-6: fixed amortization, fixed annuitization and required minimum distribution, using

What claiming Social Security at each age pays, from 62 to 70, using the statutory reduction (5/9 of 1% a month for the first 36 months early, then 5/12 of 1%) and delayed retireme

How a US state taxes retirement income: Social Security, pensions, and IRA and 401(k) withdrawals, plus the estate or inheritance tax, sales and property tax levels, and an estimat

The largest starting monthly withdrawal, rising with inflation, that a balance can support for a chosen number of years at a given return, inflation and tax rate. Solved by bisecti