These are rough estimates based on 2026 federal tax brackets, IRS life expectancy tables, and standard withdrawal rules. Your required minimum distribution (RMD) age is estimated from your current age under the SECURE 2.0 Act (age 73 for those born 1951–1959, age 75 for those born 1960 or later), not a fixed number. Starting at that age, your income is assumed to drop to 75% of today's amount for the rest of the projection. Your standard deduction is applied automatically based on filing status, and tax is calculated as the additional tax your withdrawal creates on top of your other income, using full progressive bracket math. Any balance still remaining at age 100 is modeled as passing to a beneficiary who must fully distribute it within 10 years under current law, taxed using your own income and filing status rather than the beneficiary's, since the tool has no way to know those. Actual amounts depend on market performance, future tax law, and your specific situation. Not tax or investment advice.