About SmartRetireCalc

SmartRetireCalc is a lightweight retirement projection tool that helps you explore year-by-year outcomes for spending, taxes, Roth conversions, Social Security, and RMDs.

What it’s good for

• Quick “what-if” scenarios (retire age, SS start age, returns, inflation).
• Testing Roth conversion strategies (none, fixed amount, fill-to-bracket).
• Seeing a simple timeline of balances and estimated taxes.

What it is not

• Not financial, tax, or legal advice.
• Not a replacement for a full tax program or a professional planner.
• Not a guarantee of future performance (returns and laws change).

Roadmap (high level)

• More detailed taxable account modeling (capital gains, dividends).
• Medicare IRMAA awareness (when applicable).
• Better spouse modeling (separate cashflows + combined taxes).
• Save/load scenarios and compare scenarios side-by-side.

Please read the Disclaimer.