Today's Details
Enter your retirement planning details
Portfolio Projection
Year-by-year retirement trajectory
| Year | Age | Start Balance | Contributions | Distributions | SS Income | Total Income | Taxes Owed | End Balance | Growth % | Growth $ |
|---|
Tax Strategy
Marginal rates, Social Security taxation, and IRMAA analysis
Federal Tax Brackets (2024)
| Rate | Married | Single | Your Status |
|---|
Social Security Taxation Thresholds
IRMAA Medicare Surcharge Tiers (2024)
IRMAA is based on MAGI from 2 years prior. Plan your Roth conversions to avoid unexpected surcharges.
| MAGI Threshold (MFJ) | MAGI Threshold (Single) | Part B Monthly Premium | Part D Surcharge | Annual Extra Cost |
|---|
Projected Tax Burden Over Time
Roth Conversion Optimizer
Find your optimal conversion strategy before RMDs force higher taxes
Tax Valley Analysis
The "tax valley" is the gap between retirement and RMD age when income is low — the best window to convert at lower rates.
Conversion Scenario Comparison
RMD Projections
Required Minimum Distributions start at age 73. Without conversions, large RMDs can push you into higher brackets.
| Age | Trad Balance (No Conv.) | RMD Amount | Trad Balance (With Conv.) | RMD Amount | Tax Savings |
|---|
Monte Carlo Analysis
Probability-based outcomes across thousands of market scenarios
Scenario Analysis
Compare different retirement strategies side by side
Define Scenarios
| Scenario | Retirement Balance | Final Balance | Success Rate | Peak Balance | Total Tax Paid |
|---|
Terms of Use
Please read before relying on AntWings for planning decisions
Your Data Stays With You
AntWings runs entirely in your browser. Every number you enter — account balances, income, spending goals, Social Security estimates — lives only on your device in your browser's local storage. Nothing is ever transmitted to or stored on external servers. We do not collect, track, analyze, or share your information in any form. Your financial details are yours alone.
Not Financial or Tax Advice
AntWings is an educational planning tool, not a licensed financial advisor, investment advisor, or tax professional. The projections, estimates, tax calculations, and Monte Carlo simulations it produces are illustrative only. They are designed to help you think through your retirement picture — not to serve as a substitute for personalized guidance from a qualified financial planner, CPA, or tax attorney. Laws change, markets change, and your personal situation is unique. Always consult a licensed professional before making financial or tax decisions.
Use It as a Starting Point
Retirement planning involves many variables — market returns, inflation, tax law, health, longevity — that are uncertain and change over time. Think of AntWings as a compass: it can point you in a useful direction, but real-world results will differ from any projection. Scenarios and simulations shown in this app should inform your thinking, not dictate your decisions.
No Warranty
AntWings is provided "as is" and "as available" without warranty of any kind, express or implied. We make no representations or guarantees regarding the accuracy, completeness, reliability, or fitness of the calculations and projections for any particular purpose. The tool is in active development (beta) and may contain errors or produce unexpected results. We do not warrant that the app will be uninterrupted, error-free, or free of bugs.
Limitation of Liability
To the fullest extent permitted by applicable law, the creators and contributors of AntWings shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of — or inability to use — this tool. This includes, without limitation, any financial decisions made in reliance on projections or estimates generated by AntWings, any loss of data, or any errors in calculations. You use AntWings entirely at your own risk.
Acceptance of These Terms
By using AntWings, you acknowledge that you have read and understood these terms and agree to be bound by them. If you do not agree, please discontinue use of the application. These terms may be updated from time to time; continued use constitutes acceptance of any changes.
Effective date: February 2026 · AntWings Beta