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 $412k · Roth $75k
This section is for inherited traditional IRAs. If you have multiple inherited IRAs from the same person, enter the combined balance. 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).