Retirement Tax Optimizer
What is this?
What is this?
This is a tool for tax-optimizing the withdrawal of funds in retirement. Given a set of initial accounts (taxable, 401(k), Roth) and planned annual spending, it finds how much to withdraw from each type of account to minimize total taxes and maximize ACA subsidies.
Limitations:
It's assumed that you'll be using an ACA plan for health insurance before medicare eligibility, and medicare after that.
Because of this, before you're eligible for medicare, it will keep your taxable income above the medicaid eligibility cutoff.
It's assumed that you will have no earned or social security income.
It's assumed that tax laws will be adjusted for inflation but otherwise remain the same. This is not a great assumption!
ACA subsidies are linearized, since the actual shape of the ACA subsidy curve is too complicated for the solver used.
Taxes are not added back to spending.
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