QuantCalc Retirement Engine

Runs a Monte Carlo retirement projection on the QuantCalc engine and returns the success rate, the ending-portfolio distribution, and the assumptions that produced them. The result states the return model that ran, the number of paths, and the income assumptions it used, including when there are none. Income tax is not modelled by this tool; run_tax_aware_projection models it.

Runs the retirement projection with the household's accounts split by tax type and returns the withdrawal order and Roth-conversion programme the engine selected, its present-value advantage and range against drawing traditional first, and the after-tax success rate. Federal and state income tax (50 states and DC), Social Security taxability, required minimum distributions, Medicare IRMAA surcharges and the early-withdrawal penalty are paid from the portfolio year by year; spending is what the household keeps after tax. The result states every assumption it used, including the defaults for inputs that were not given, and what the engine does not model.

Runs the same plan against several published capital market assumption sets and returns the success rate and median outcome under each, showing how far the answer moves with the return forecast used. Every input is optional: omitted plan inputs use an illustrative plan (age 65, $1,000,000 saved, $40,000 a year spending) which the reply states in its first line.

Returns the published capital market assumption sets the engine carries and which components each publisher provides (returns, volatilities, correlations).

无需输入参数。

Returns what the QuantCalc engine models and what it deliberately leaves out, including the tax provisions that are out of scope, and links to the published methodology.

无需输入参数。

Estimates a household's 2026 federal and state income tax return from its 2026 income (wages, Social Security, IRA and 401(k) distributions, pensions, Roth conversions, interest, dividends, capital gains and losses, self-employment (Schedule C) profit), deductions, withholding and estimated payments, and returns the federal refund or amount owed, the state refund or amount owed, and both together; the main Form 1040 lines (total income, AGI, deduction, taxable income, tax, total tax) and the state's taxable income and tax; and every default assumed, the facts the state engine assumed, and what is not modelled. Computed by QuantCalc's federal and state tax APIs, the engines the website's 2026 Return Preview is checked against to the cent. Requires a connected QuantCalc PRO licence or Tax Season Pass; without one it returns no figures and names the free web calculator. An estimate, not a filed return and not tax advice.

Searches every Social Security claiming age from 62 (or today's age) to 70 for the household's tax-aware plan: each age's benefit is the given benefit restated by the SSA reduction and delayed-retirement-credit rules, and each age runs the full tax-aware plan on the same simulated markets as the plan's own age. The score of a path is the after-tax estate minus unfunded spending (today's dollars); the result gives each age's success rate and median paired difference against the plan, the best age, and the 10th-90th percentile range. Requires a connected QuantCalc PRO licence. Long searches return a job_id: call again with only job_id to fetch the result.

Figures one household's 2026 state income tax in all 50 states and DC from its income (Social Security, IRA and 401(k) withdrawals, a private or government pension, military retirement pay, wages, interest, dividends, long-term gains) and returns every jurisdiction ranked from the lowest tax to the highest, with each state's tax, its share of total income and, given current_state, the difference from the state the household lives in now; the federal tax, which is the same in every state; the lowest and highest states and how many charge $0; the county taxes included; and every default assumed and what is not modelled. Computed by QuantCalc's federal and state tax APIs (POST /api/state-tax/every-state), the engines the website's 'Your retirement tax in every state' page is checked against to the cent. Requires a connected QuantCalc PRO licence or Tax Season Pass; without one it returns no figures and names the free web page. Not tax advice.

Figures a household's 2026 federal income tax (Form 1040 line 24) and, given a state, its state income tax, from wages (with the Schedule 1-A overtime and tips deductions), children and other dependents, and other common income; and returns the Social Security and Medicare tax on the wages, the effective and marginal rates, the take-home pay, and, given withholding, the federal and state refund or amount owed, with the main lines of the return and every default assumed. Computed by QuantCalc's federal and state tax APIs, the engines the website's federal income tax, tax refund and salary-after-tax calculators are checked against to the cent. Requires a connected QuantCalc PRO licence or Tax Season Pass; without one it returns no figures and names the free web calculator. Not tax advice.

Figures what a 2026 (or projected 2027) health FSA or HSA contribution saves in federal income tax, Social Security and Medicare tax and state income tax: the same return with and without the contribution, a payroll contribution taken out of W-2 boxes 1, 3 and 5, a direct HSA contribution out of the income tax only (no FICA saving); California (HSA) and New Jersey (HSA and FSA), which tax the contribution, show no state saving. Returns each saving, the total, the after-tax cost, an optional FSA forfeiture estimate and every default assumed. Computed by QuantCalc's federal and state tax APIs, the engines the website's FSA and HSA limit pages are checked against to the cent. Requires a connected QuantCalc PRO licence or Tax Season Pass; without one it returns no figures and names the free web calculator. Not tax advice.

Figures what a business deduction saves a self-employed person in 2026: business miles split at July 1 (72.5 and 76 cents a mile) or a dollar expense, off the Schedule C profit, and the income tax, self-employment tax, earned income credit and state tax saved, from the federal return and the state return at the profit and at the profit less the deduction (the half-SE-tax and qualified business income deductions move with it). Ohio and Pennsylvania state tax are not computed. Returns each saving, the total and every default assumed. Computed by QuantCalc's federal and state tax APIs, the engines the website's IRS mileage rate page is checked against to the cent. Requires a connected QuantCalc PRO licence or Tax Season Pass; without one it returns no figures and names the free web calculator. Not tax advice.

Returns the 2026 or 2027 elective-deferral limit for a 401(k), 403(b), governmental 457(b), the TSP or a SIMPLE IRA at an age (the age-50 and ages 60-63 catch-ups, the SIMPLE higher limit, the Roth catch-up wage rule), free; and what the pre-tax deferral saves in federal income tax (with the 2026 Saver's Credit) and state income tax, with $0 Social Security and Medicare tax saved and no state saving in Pennsylvania (and New Jersey for all but the 401(k)): the same return with and without the deferral. The limits are the website's contribution-limit pages' own figures (2027 projected until the IRS publishes them); the tax figures come from QuantCalc's federal and state tax APIs and need a connected QuantCalc PRO licence or Tax Season Pass. Not tax advice.

Runs IRS Publication 590-A Worksheet 1-2 (the deductible part of a traditional IRA contribution when you or your spouse is covered by a plan at work) and Worksheet 2-2 (the reduced Roth IRA contribution limit) for 2026 or 2027 on a modified AGI, line by line, with the spousal IRA rule and the $10 rounding and $200 floor: free when the MAGI is given. With a connected QuantCalc PRO licence or Tax Season Pass it also figures the MAGI from wages and other income and the federal and state tax the deduction saves (New Jersey, Pennsylvania and Massachusetts allow no IRA deduction). The limits and ranges are the website's IRA and Roth income-limit pages' own figures (2027 projected until the IRS publishes them). Not tax advice.

Returns the 2026 or 2027 standard deduction piece by piece — the basic amount, the additional amount for 65 or older and blind, a dependent's limit, the married-filing-separately rule — free; and, with a connected QuantCalc PRO licence or Tax Season Pass, the senior deduction after its phase-out, the itemized total (SALT cap, mortgage interest, charity and medical floors, the IRC 68 limit), the non-itemizer charitable deduction, the federal tax both ways and which is lower, from QuantCalc's federal tax API run twice. The amounts are the website's standard deduction pages' own figures (2027 projected until the IRS publishes them). Not tax advice.

Computes the required minimum distribution for 2026 or 2027 from the prior year-end balance and the age or birth year, on the IRS Uniform Lifetime Table, or the Joint and Last Survivor Table when the spouse is the sole beneficiary and more than 10 years younger; returns the divisor, the deadline, the SECURE 2.0 start age (73, or 75 for those born 1960 or later), the first-year April 1 option and the two RMDs it stacks into one year, and a multi-year projection with growth. With filing_status and the year's other income (Social Security, pension, other IRA money) it adds the 2026 federal and state tax the RMD adds, the Social Security it makes taxable, the IRMAA effect, and what a QCD would take off: those tax figures come from QuantCalc's federal and state tax APIs and need a connected QuantCalc PRO licence or Tax Season Pass (the RMD itself does not). The same figures as the website's RMD calculator.

Figures the federal and state tax a 2026 Roth conversion adds to the household's year, its share of the amount converted and the cost of the next $1,000; the room left in the current federal bracket and below the next IRMAA tier; and flags an IRMAA tier crossing (with the 2028 surcharge), Social Security the conversion makes taxable (the tax torpedo) and a senior-deduction phase-out. Computed by QuantCalc's federal and state tax APIs, as the website's Roth conversion cost calculator; requires a connected QuantCalc PRO licence or Tax Season Pass, and without one returns no figures and names the free page. Not tax advice.

Compares a 2026 charitable gift made as a qualified charitable distribution from an IRA with the same gift in cash: the federal and state tax saved and the IRMAA surcharge saved, with the cash gift deducted the way the return allows (itemizing, or the standard deduction with the non-itemizer charitable deduction, whichever gives the lower tax). Computed by QuantCalc's federal and state tax APIs, as the website's QCD calculator; requires a connected QuantCalc PRO licence or Tax Season Pass, and without one returns no figures and names the free page. Not tax advice.

Returns the Medicare IRMAA tier a MAGI sets: the official 2026 tier (from 2024 MAGI) and the 2027 and 2028 tiers (from 2025 and 2026 MAGI) on the tables as QuantCalc projects them, labelled projected; with each the monthly Part B and Part D surcharge per person, the annual total for the people on Medicare, and the distance to the next tier. Reads the same CMS tables as the website's IRMAA calculator. Free: no licence needed.

Figures how much of a household's 2026 Social Security benefits is taxable, the federal income tax and the part of it the benefits cost, the effective marginal rate on the next dollar of other income, how many cents of benefits each extra dollar makes taxable, and which part of the torpedo the household is in. Computed by QuantCalc's federal tax API, as the website's tax torpedo calculator; requires a connected QuantCalc PRO licence or Tax Season Pass, and without one returns no figures and names the free page. Not tax advice.

Figures the 2026 federal and state income tax on a household's short-term and long-term capital gains or losses given its other income: the tax the capital items add (ordinary-rate, long-term rate, net investment income tax and AMT parts), the long-term gain that still fits in the 0% band, the room before the net investment income tax, the capital loss deducted against other income and the carryover to 2027, and, given harvest_loss, the federal and state tax a harvested loss saves this year. Every figure is the difference of returns computed by QuantCalc's federal and state tax APIs, the engines the website's tax-loss harvesting calculator is checked against. Requires a connected QuantCalc PRO licence or Tax Season Pass; without one it returns no figures and names the free calculator. Not tax advice.

Figures a household's 2026 estimated tax position from its expected 2026 income, its 2025 tax and what it has withheld and paid: the 2026 tax Form 2210 uses, the safe-harbor required annual payment (the smaller of 90% of the 2026 tax and 100% or 110% of the 2025 tax) and the required amount per installment, the four 2026 due dates, the underpayment and penalty by installment for the payments as given (with their payment dates), and, when the January installment is still open, the amount still due and the penalty if it is paid as the January 15 estimate, withheld in December instead, or not paid. Computed by QuantCalc's federal tax API (Form 2210), the engine the website's estimated tax and underpayment penalty calculators are checked against. Requires a connected QuantCalc PRO licence or Tax Season Pass; without one it returns no figures and names the free calculator. Not tax advice.

Figures a household's ACA marketplace premium tax credit position from its state, the ages on the plan, household size and income. For 2026 coverage: the credit (Form 8962 line 24, computed by QuantCalc's federal tax API) at the state-level or a given benchmark premium, the poverty line and percentage, the expected contribution, the Medicaid and coverage-gap regimes, the 400% cliff income, the headroom below it, and the credit lost by being $1 over it; needs a connected QuantCalc PRO licence or Tax Season Pass. For 2027 coverage: the county's benchmark premium from CMS's plan-year-2027 files (or a given one), the poverty line (2026 HHS guidelines), the 400% cliff and the headroom, and with a connected licence the 2027 credit (Form 8962 for coverage year 2027 from the federal tax API, Rev. Proc. 2026-26's percentages) and the credit lost by being $1 over the cliff; without a licence the 2027 credit is not figured and the free page that figures it is named. Not tax advice.