Launch as a full-screen app from your home screen — no browser chrome, works offline.
1
Tap the Share button⬆ in Safari (bottom center of screen)
2
Scroll down and tap "Add to Home Screen"
3
Tap "Add" in the top right
Note: iOS requires manual steps — Apple doesn't let web apps trigger this automatically. On Android Chrome, tap the button in the header for a one-tap install.
⚠️ Estimates only. Rates from 2026 TA §3. IRS limits 2025 values. Not financial advice.
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AI ANALYSIS & EXPORT
Get your retirement data into ChatGPT, Claude, or Gemini
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FDX Summary
FDXHighlights
📊 Year-by-Year
TA26 §28 · LONG-TERM DISABILITY
🤕 LTD Contributions
Inputs auto-save to this device
💰 WITHDRAWAL PLANNER
💰 Retirement Withdrawal Planner
Year-by-year drawdown model (ages 60 through plan horizon) using a hybrid Roth conversion strategy.
Hybrid bracket optimization: 24% top in pre-Medicare years, 22% top in Medicare years (IRMAA-aware).
Social Security with 20% conservative haircut. RMDs from age 75.
Opt 3 + MBR: Lower pension ($50K), preserves full Cash-Over-Cap bucket for Roth conversion fuel. Recommended for most pilots maximizing DC accumulation.
How "SS at claim" is calculated
This is your projected Social Security benefit in the year you claim it (nominal dollars at that future year), after applying a 20% conservative haircut for trust fund insolvency risk.
The default value of $115,126 assumes:
Projected FRA benefit (age 67) of approximately $60K/yr in 2026 dollars based on FedEx Captain earnings history
+24% delayed retirement credits for claiming at age 70 → ~$74K/yr in 2026 dollars
20% conservative haircut for ~2034 trust fund insolvency risk → ~$59K/yr in 2026 dollars
Inflated to claim year (2055 if claiming at 70) at 2.5%/yr → ~$115K nominal
To get YOUR personalized number: Pull your most recent Social Security statement, find your projected benefit at the age you plan to claim, multiply by 0.80 for the haircut, then inflate by 2.5%/yr to your claim year. Or just override the value above with whatever number you trust.
After claim, the model COLA-adjusts at 2.5%/yr through the plan horizon.
Inflation rate (CPI & SS COLA)2.5%
0%1%2%3%4%5%6%
Why 2.5%? (historical basis)
2.5%/yr is the planning default because it brackets the two numbers that matter:
The Fed's long-run target is 2% PCE, which runs roughly 2.3–2.5% in CPI terms.
Recent-decades U.S. CPI averaged about 2.5%/yr (1990–2020). The very long run (1913–2024) is higher, ~3.1%/yr, pulled up by the 1970s–80s.
Social Security COLAs have averaged roughly 2.6%/yr over the past ~25 years (with spikes like 8.7% in 2023).
This one rate drives spend growth, the SS COLA, and tax-bracket / IRMAA threshold indexing together.
Key caveat: your FedEx pension is modeled as frozen nominal (no COLA). Raising this slider erodes the pension-heavy option (Opt 1) far faster than the market-funded options — nudge it to 3–4% to stress-test that.
Retirement-phase growth rate6.0%
3%4%5%6%7%8%
Cash-Over-Cap (taxable brokerage) growth7.0%
3%5%7%9%10%
Taxable brokerage typically grows at a higher rate than DC accounts in retirement — different asset allocation. Defaults to your Legacy-tab Cash-Over-Cap return setting.
🛡 Market Crash Insurance
Simulates retiring INTO a market crash. The engine drops your DC + taxable buckets at retirement, then uses cash reserve to weather the recovery without selling at lows.
When insurance is ON: at retirement, your DC + taxable buckets take a one-time haircut at the severity above. The engine draws spending from cash reserve first and pauses Roth conversions for the first 3 years (recovery window). Tests \"what if I retire into 2000 / 2008 / 2020?\"
Outcomes at this growth rate
Estate at 90
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Sustainable Spend
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real/yr (leave $1M)
Lifetime Taxes
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nominal total
Pretax Depleted
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age
⚠ Spending target not fully sustainable
⚖ Strategy Comparison
Does the aggressive Roth conversion strategy actually win for YOUR numbers? Compares against a "pre-tax first, no conversions" baseline.
Computing comparison…
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Annual Income Sources by Age (Nominal $)
Pension
Social Security
Cash-Over-Cap Sale
Roth Withdrawal
Pretax (RMD + Extra)
Spending target
5-Phase Strategy
Phase 1 — Ages 60-64: Aggressive Conversion
Convert to top of 24% bracket. No Medicare, no IRMAA, no SS yet. Fund spending from Cash-Over-Cap.
Phase 2 — Ages 65-69: Throttled Conversion
Top of 22% bracket. Medicare and IRMAA active. Roth withdrawals supplement (tax-free, no MAGI impact).
Phase 3 — Age 70+: Social Security Begins
Major income shift. SS adds significant taxable income. Conversion room shrinks; continues at top of 22% after SS.
Phase 4 — Ages 75-84: RMD-Driven
RMDs mandatory. SS + pension + RMD covers most spending. Roth tops up. Pretax exhausts mid-80s.
Phase 5 — Ages 85-90: SS + Roth
Pretax done. SS + pension + Roth carry spending. Federal tax near minimum. Roth legacy preserved.
Max sustainable real spending by legacy goal
Spend it all
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Leave $1M real
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Leave $2M real
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Leave $3M real
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Pension Option Comparison (at current growth rate)
Compares all three FedEx pension elections assuming MBR is captured in each.
Opt 1 forfeits the Cash-Over-Cap entirely. Opt 2-Lump rolls MBCB into IRA + small CoC. Opt 3 keeps full CoC.
Year-by-year detail
Age
Spend
Pension
SS
CoC Sale
Roth W/D
Pretax W/D
Tax
Total EOY
Cash-Over-Cap breakeven vs Opt 1 + MBR
Growth
Opt 1 Spend
Breakeven CoC
vs Your $
Verdict
Assumptions: inflation slider-adjustable (default 2.5%/yr, drives spend, SS COLA & bracket indexing). MFJ filing, TN state (no state tax). Hybrid Roth conversion (24% pre-Medicare, 22% afterward).
SS conservative -20% haircut, 85% taxable. RMDs from age 75 (Uniform Lifetime Table). LTCG 15-18.8% with NIIT.
IRMAA Medicare surcharges applied age 65+. Cost basis on taxable bucket assumed 100% initial (conservative on LTCG).
Plan horizon configurable (age 75-95, default 90). Estate reflects remaining buckets at plan horizon age.
Compares your current annual 401k contributions against projected income and tax bracket trajectory.
Recommends optimal pre-tax vs. Roth split per year based on bracket arbitrage vs. retirement.
Retirement bracket is auto-detected from your projected drawdown income in the Drawdown tab.