Educational estimates
RetireCalc does not provide personal financial, investment, tax, accounting or legal advice. It does not assess your complete finances, risk tolerance, account eligibility or tax return. Using a tool or contacting the site does not create an advisory relationship.
Projections are conditional
Retirement calculators apply a constant return. They do not predict market volatility or future spending. A depletion date, sustainable payment or “does not run out” result describes that model, not a guaranteed outcome.
The 4% illustration is percentage arithmetic. It does not calculate a probability of success.
The Roth comparison has a limited scope
The tax model uses 2026 federal ordinary-income brackets and assumes a fully taxable conversion and a future Roth withdrawal with no additional tax. It does not determine qualified-distribution status.
It excludes state tax, penalties, after-tax basis, capital-gains interactions, changing credits or deductions, benefit effects and required distributions. A favorable result is not a recommendation to convert.
Before a decision
Check actual records and consult an appropriately qualified professional. Review the formulas and sources; send website errors through contact.
Disclaimer reviewed October 25, 2026.