Retirement tax exposure calculator

Find the tax leak hiding in your retirement income.

Compare tax now, tax later, and tax-advantaged strategies side by side so you can see what future taxes may do to your spendable monthly income before you retire.

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3 bucketsTax now, tax later, tax-advantaged
1 viewMonthly spendable income comparison
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Inputs

Build the retirement picture

Current age 40

Target retirement age 65

Annual income Current retirement savings Annual contribution rate (%)

Growth assumption (%)

Future tax rate (%)

Taxable annual tax drag (%)

Income rate (%)

Current mix check. The side-by-side bucket comparison uses the same dollars in each strategy.

Tax now allocation 20%

Tax later allocation 65%

Tax-advantaged allocation: 15%

Bucket 01

Tax Now

Brokerage, savings, CDs

$0/mo $0 projected

Bucket 02

Tax Later

401(k), 403(b), IRA, TSP

$0/mo $0 future tax exposure

Bucket 03

Tax-Advantaged

IUL, fixed indexed annuity, protected income design

$0/mo $0/mo improvement

Projection

Spendable income comparison

Years to retirement: 25
Annual contribution: $12,000
Potential tax exposure: $0
Protected floor benefit: $0

Next move

Your tax map is ready.

Use this as a starting point. The next step is matching the numbers against your real accounts, time horizon, income need, and tax exposure.

Secure review

Get the Tax Buckets breakdown for your exact situation

Send your contact details and Watts Unified Solutions can help review where your current retirement dollars sit today and what may need to shift.