Retirement Plan Contribution Optimizer

Model three contribution strategies side-by-side — tax-deferred first, Roth first, and balanced — across your full accumulation and retirement horizon. Compares lifetime tax burden, RMD exposure, and IRMAA risk.

Configuration

Personal Profile

Current Age

Filing Status

Gross Income ($)

Income Growth (%/yr)

Target Retirement Age

Retirement Duration (yrs)

Target Annual Income ($)

Today's dollars; inflated at 2.5%/yr

Workplace Accounts

Pre-Tax Balance ($)

Roth Balance ($)

Growth Rate (%)

Employer Match (%)

Match rate (e.g. 50%)

Match Cap (% salary)

Up to this % of salary

Other Savings

Enter current account balances today. The optimizer projects growth forward from these starting values.

Traditional IRA Balance ($)

Roth IRA Balance ($)

Inherited IRA Balance ($)

Distributions taxable as ordinary income — add expected payouts in Additional Income Sources below

Taxable Brokerage Balance ($)

Other Assets Balance ($)

Assumed Growth Rate (%/yr)

Applied to all balances above

Expected Retirement Income

Social Security ($/yr)

SS Start Age

Pension ($/yr)

Dividends / Interest ($/yr)

Rental Income ($/yr)

Additional Income Sources

None added. Use this for time-bounded income: inherited IRA distributions, part-time work, deferred compensation payouts, etc.

Contribution Settings

Available Account Types

401K403B457B(dual limit — stacks with 401k/403b)IRA (Traditional or Roth)

Current Workplace Rates

Pre-Tax Rate (% salary)

Roth Rate (% salary)

2026 workplace limit: $24,500/yr· projected with 2.5% COLA/yr

Using 2026 federal and New York State tax tables · Contribution limits projected with 2.5% COLA/yr · Projections are estimates, not financial advice