Tax Bucket Analyzer

See how your retirement savings split across the three tax buckets — and what a blended tax assumption does to your spendable total.

Everything stays on your device. Nothing is uploaded, sent, or tracked.

Your three buckets

Tax-deferred (Traditional 401(k), Traditional IRA, 403(b))

Tax-free (Roth IRA, Roth 401(k), HSA)

Taxable (brokerage, savings, CDs)

Blended tax-rate assumption on the tax-deferred bucket

This is a single blended rate you choose — not a calculated bracket. It stands in for the average tax you'd expect to pay as you draw the tax-deferred money down.

Your mix

What this mix tends to mean

Remember my numbers on this device Saved on this device

Educational tool only — not tax, legal, or investment advice. This uses one blended rate you choose. It does not calculate real tax brackets, and it intentionally ignores state taxes, the Net Investment Income Tax, IRMAA, Social Security taxation, RMD timing, and cost basis in the taxable bucket. Real outcomes depend on your full situation and current law. Talk to a qualified professional before making decisions.