Enter your current retirement account balances. This is a modeling tool — exact amounts are not required. Feel free to round to the nearest thousand. You can refine these later.
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Your Accounts (not connected)
Spouse Accounts
Household total: IRA $2.3M · Roth $150k
This section is for traditional IRAs inherited from someone other than your spouse. If you have multiple inherited IRAs from the same person, enter the combined balance. If you inherited your spouse's IRA and treat it as your own, enter it with your own IRA instead: it then follows your own RMD age. The plan applies the standard rules for an adult child or other heir (10-year rule for deaths since 2020); it doesn't model the longer payout open to a minor child, a disabled or chronically ill heir, or one no more than 10 years younger than the owner. If you inherited a Roth IRA, consult your tax advisor for distribution planning.
Your Inherited IRA
Spouse Inherited IRA
Health Savings Account (HSA)
Enter your total household HSA balance (both spouses combined). The HSA contribution limit is per-household, not per-person. Your HSA is best preserved until age 65+, when it can pay Medicare premiums, Part D, and medical expenses triple tax-free (no tax on contributions, growth, or qualified withdrawals).