SwitchWizeFinancial Decisions, Made Clearer
Rule-backed 2026 planning

Compare 401(k) taxes, RMDs, Roth conversions, and Medicare in one educational scenario.

Enter the household once. SwitchWize reruns every strategy through the same federal retirement ledger, shows threshold tradeoffs, and creates a replayable review packet. It does not select or execute a transaction.

401(k) pre-tax vs RothMulti-account RMD rulesQCD-aware taxationSocial Security taxMedicare IRMAA
Start here

Build this year before exploring lifetime scenarios

Review the sample values below, replace them with your facts, and build one coordinated current-year comparison. Lifetime tools follow the result.

1 · Household

Who is this plan for?

2 · Accounts

Map each retirement account

Use the prior December 31 balance. RMD aggregation is enforced by owner and account type.

Account 1
Account 2
3 · Tax picture

Set this year's planning boundaries

Federal prepayment checkpoint

Compare modeled tax with projected withholding and payments under the general Form 1040-ES threshold. Use your prior Form 1040 total tax and AGI.

Direct IRA-to-charity plan

Enter each owner's intended 2026 QCD total. The result is an upper-bound review amount, not a transaction or charitable-deduction calculation.

You
Spouse

401(k), 403(b), or workplace Roth tax impact

Compare the current tax effect of your existing pre-tax/Roth employee deferral mix with an alternative, then carry both tax characters to the statutory first-RMD year. Employer contributions are treated as pre-tax exactly as entered.

You

Add payroll assumptions to compare pre-tax and Roth deferrals.

Spouse

Add a workplace account above before expecting a supported projection.

2026–2030 tax trajectory

Roll every entered account forward for five years using base assumptions plus any year-specific income, Social Security, deduction, state-rate, or spending changes. An annual conversion repeats in each year and requires entered source and destination accounts.

Constant-2026-law sensitivity: future brackets, Medicare thresholds, premiums, returns, and household circumstances are not forecasts. RMDs and conversions occur before annual growth.

After-tax spending gap

Set annual household spending. The solver grosses up an additional pre-tax withdrawal after RMD cash, full Social Security, other entered cash income, tax-exempt interest, and modeled federal/state income tax.

This is a cash-flow and income-tax calculation, not a safe withdrawal-rate or investment recommendation. Medicare premiums and outside assets are not deducted.

Customize income or spending by year

Use an override for retirement dates, pension or Social Security changes, one-time income, deduction changes, relocation, or a different spending target. Uncustomized years keep the base inputs above.

2026
2027
2028
2029
2030

Survivor-transition readiness

Prepare a spouse-loss stress test without guessing filing status, benefits, Medicare treatment, beneficiaries, or inherited-account elections.

Educational planning only. This first release models federal rules and a user-entered flat state rate. It does not execute transactions or replace individualized tax, legal, or investment advice.

Your coordinated result

One ledger, several decisions

1
Legal minimum

RMDs by owner and legal aggregation group, with QCD credit.

2
Tax interaction

Workplace deferrals, federal tax, taxable Social Security, Medicare IRMAA, withholding, and payment targets move together.

3
Scenario frontier

Compare Medicare headroom, bracket headroom, and your maximum conversion.

4
Professional handoff

Download sources, assumptions, warnings, and questions to verify.

Nothing here is generated from a language model. The intelligence layer composes versioned IRS, SSA, and CMS rule engines, then creates a deterministic artifact that can be replayed.
Next workspace

Explore lifetime alternatives when you are ready

Open the lifetime workspace to compare multiple user-entered paths, historical and Monte Carlo simulations, optimization filters, risks, source records, survivor awareness, and monitoring preferences.

How the intelligence layer works

Facts

One household profile, account ownership, balances, distributions, income, and Medicare context.

Rules

Versioned IRS, SSA, and CMS inputs model published rules and threshold effects within supported cases.

Search

The planner compares the alternatives and limits you enter using one consistent set of assumptions.

Explanation

The interface shows modeled differences, constraints, sources, and limitations without selecting a strategy.

Retirement planner questions

What does the SwitchWize retirement planner compare?

It compares user-entered current-year and lifetime retirement scenarios, including account cash flows, Roth conversions, withdrawals, Social Security timing, healthcare costs, taxes, and stress tests.

Does the retirement planner provide financial advice?

No. It is an educational comparison tool. It shows modeled outcomes, assumptions, limitations, and sources without selecting a strategy or executing a transaction.

Can I save retirement scenarios?

Signed-in users can save the facts, lifetime scenarios, optimization constraints, simulation settings, source metadata, monitoring consent, and modeled results in their retirement plan.