Analysis and results
Understand taxes, withdrawal order, and RMDs
See how account tax treatment, gains, Social Security, RMD tables, and tax-payment funding interact.
When this applies
Use this when Projection taxes or account withdrawals differ from a simple spending-gap calculation.
How YARCalc uses it
- Federal and state ordinary-income brackets come from reference data.
- Taxable Social Security uses provisional income; long-term gains use supported brackets.
- Tax payments can require additional taxable withdrawals, so the engine iterates a gross-up.
- RMDs use Uniform Lifetime, Joint Life, or Single Life behavior as applicable.
- Withdrawal order distinguishes cash, brokerage, tax-deferred, Roth, HSA, and restricted 529 assets.
Check your work
- Open Projection Detailed and compare income, gains, RMDs, taxes, withdrawals, and ending balances for the same year.