Your IRA has a silent partner. See what the IRS plans to take.
Every dollar in a traditional IRA or 401(k) was a deal: no tax on the way in, tax on the way out. Most people never see the second half of that deal priced out. Move the numbers on the right and watch what the government has scheduled for itself — then decide what you're going to do about it.
The savers who get hurt by this aren't careless. They just never saw the whole picture in one place — until now.
Run your numbers
Estimates only, based on the assumptions under the results. Nothing you enter here is a recommendation.
Free to play with. Your detailed numbers — the year-by-year breakdown, what your heirs face, and what the defusal moves are worth — unlock below.
Start Here · Watch the Tour
Watch the tour, then run your numbers
Khloe walks you through what the calculator shows — what to enter, what the three numbers mean, and why the last one matters most.
Your projected retirement tax bomb
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That's the estimated income tax current law has scheduled against your tax-deferred savings — the tax on your own required withdrawals over your lifetime, plus what your heirs would owe emptying what's left under the SECURE Act's 10-year rule. It is not a bill you chose. It is a bill you can still change.
Projected balance when RMDs begin (age 73)
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Your account, grown at your assumed rate, contributions stopped at retirement.
Your first required withdrawal
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The IRS schedules it whether you need the money or not — and it's all taxable income.
Estimated lifetime tax on your withdrawals
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Before your heirs' share. The detailed math is in your report.
Where the projected money goes
Your withdrawals
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Heirs inherit
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IRS takes (tax)
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How this illustration works: steady growth at the rate you chose; contributions added at year-end until your retirement age; no withdrawals before required minimum distributions (RMDs) begin — age 73 if you were born 1951–1959, 75 if born 1960 or later; RMDs from the IRS Uniform Lifetime Table; tax estimated at the brackets you selected (plus your state pick, if any). It does not model changing tax law, Social Security taxation, Medicare IRMAA surcharges, or market ups and downs — each of those can move the real number, usually up. Hypothetical illustration for education only; not a projection or promise of any outcome, and not individualized tax advice.
Your actual numbers are ready to build — $9.97 unlocks all of it
The free calculator shows the size of the problem. Your personalized package shows your problem, year by year — and the moves that shrink it:
Your Personalized Tax Bomb Report — your year-by-year RMD and tax table from your first required withdrawal to age 95
Your heirs' 10-year-rule exposure — what the SECURE Act hands your beneficiaries, in dollars
The defusal scenarios, priced — what a Roth conversion window and charitable distributions could be worth on your numbers
The full Retirement Tax Classroom webinar — Kinji teaching the three decisions, included with your unlock
The Retirement Tax Bomb guide — the defusal playbook in writing, yours to keep and share with your family
All of it together: $9.97 — one payment, delivered to your inbox and on your results page.
You're on record, friend. One step left — complete your $9.97 unlock and your full package (report + webinar access + guide) opens on your results page and lands in your inbox.
Why a tax practitioner built this calculator: every filing season, I meet people who saved faithfully for thirty years and still met a tax bill they never saw coming — because nobody priced the second half of the deal for them. This calculator is the picture I wish they'd been shown at 55 instead of 75.
The method behind it is the retirement-tax framework I use in my own practice at Community Solutions Financial: treat every tax-deferred dollar as shared with the IRS, and make your tax decisions while the rates and the windows are still yours to choose. Prefer the live class first? The Retirement Tax Classroom registration is here.
