RetireBlueprint Pro

I. Global Settings

Plan parameters, inflation, tax rates

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Plan Start Year Usually current year

Legacy Target ($) Ending balance goal

Safety Floor ($) Never go below this

Survivor Expense Reduction % drop after first partner passes

Base Inflation Rate (%) Typical: 2.5–3.5% · Fed target is 2% · Use 3% for conservative planning

Social Security COLA (%) Typical: 2–3% · SS COLA averaged 2.6% over last 20 years

Base Tax Rate Adjustment (%) Optional tweak to your effective federal rate · Use 0 for most people · Positive = expect taxes to rise, Negative = expect to fall

Marginal Tax Rate on Extra Spend (%) Tax rate on extra discretionary withdrawals · Typical: 12–22% for most retirees · Use your expected marginal bracket · 0 = solver calculates automatically

State Tax Rate (%) Find your state rate at tax-rates.org · CA=9.3%, TX=0%, NY=6.85%

Standard Deduction Inflation (%) Rate at which the standard deduction grows each year · Typical: 2–3% · IRS adjusts annually for inflation · Use 2.5% as a safe default

Healthcare Inflation (%) Typical: 5–7% · Medical inflation runs 2x general inflation

Standard Deduction ($) Auto-set from your filing status (2026): MFJ $32,200 · Single/MFS $16,100 · HoH $24,150 · Updates annually with IRS

Tax Filing Status

Assume Extra Spending Used?

Stress Test Settings

What is a stress test? Simulates a market crash during retirement to see if your plan survives. Early Bear = crash right when you retire (worst case). Late Bear = crash later in retirement. Leave both on Normal Returns for your base plan. Switch to Bear Market to test resilience.

⚠️ These settings change your saved plan everywhere — Dashboard, Tax Engine, and every page recalculate once you Save. For a quick throwaway what-if that does not touch your plan, use the Stress Test page instead.

Early Bear Market? Switch to "Bear Market" to stress test · Leave Normal for base plan

Early Bear Start Year Typical: your retirement year · Tests sequence-of-returns risk

Early Bear Duration (yrs) Typical: 2–7 yrs · 2008 crash lasted ~2 yrs · Use 3–5 for realistic test

Early Bear Return Drag (%) Points cut from your growth-asset return each bear year (cash/bonds unaffected). A normal 7% year − 15 = −8%. Mild ≈ 10, Moderate ≈ 15, Severe ≈ 20–30. For a sharp 2008-style crash, use ~35 with a 1–2 yr duration.

Late Bear Market? Optional second stress test · Tests a downturn later in retirement

Late Bear Start Year Typical: 15–20 years into retirement · Tests mid-to-late resilience

Late Bear Duration (yrs) Typical: 2–5 yrs · Shorter than early bear is realistic

Late Bear Return Drag (%) Same idea as the Early Bear drag — points cut from growth returns during the late-bear years. Often a bit lower (≈ 10–15) than the early one.

II & III. Partner Profiles

Names, ages, income, Social Security, pension

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Partner 1

Name

Theme Color

Date of Birth

Current Age Auto-calculated

Projected Age of Death

Projected Death Year Auto-calculated

Annual Salary ($)

Salary Start Date Date salary/employment begins

Salary End Date Retirement date

Other Income/yr ($)

Other Income Start

Other Income End

Social Security

SS Base Benefit (at FRA) Look up at ssa.gov/myaccount ↗ Enter your benefit at your Full Retirement Age (FRA) — NOT your age-62 or delayed amount. Find the FRA column at ssa.gov/myaccount. The plan adjusts for your actual start date automatically.

Full Retirement Age 67 for most people born after 1960

SS Monthly Benefit ($) Auto-calculated from SS base + FRA + start date

After early/late adjustment

SS Start Date

Pension

Monthly Pension ($)

Pension Start Date

Lump Sum Offer ($) optional

Expected Lifespan (age)

Healthcare

Pre-Medicare Annual ($) Annual healthcare before Medicare · Typical: $6,000–$20,000/yr · Auto-estimate from income · rough 2026 estimate (subsidy cliff is back) — verify at healthcare.gov

Medicare Annual ($) After Medicare starts · Typical: $4,000–$8,000/yr incl. Part B, D, Medigap

Medicare Start Age Almost always 65 · Earlier only if disabled

Partner 2

Name

Theme Color

Date of Birth

Current Age Auto-calculated

Projected Age of Death

Projected Death Year Auto-calculated

Annual Salary ($)

Salary Start Date Date salary/employment begins

Salary End Date Retirement date

Other Income/yr ($)

Other Income Start

Other Income End

Social Security

SS Base Benefit (at FRA) Look up at ssa.gov/myaccount ↗ Enter your benefit at your Full Retirement Age (FRA) — NOT your age-62 or delayed amount. Find the FRA column at ssa.gov/myaccount. The plan adjusts for your actual start date automatically.

Full Retirement Age 67 for most people born after 1960

SS Monthly Benefit ($) Auto-calculated from SS base + FRA + start date

After early/late adjustment

SS Start Date

Pension

Monthly Pension ($)

Pension Start Date

Healthcare

Pre-Medicare Annual ($) Annual healthcare before Medicare · Typical: $6,000–$20,000/yr · Auto-estimate from income · rough 2026 estimate (subsidy cliff is back) — verify at healthcare.gov

Medicare Annual ($) After Medicare starts · Typical: $4,000–$8,000/yr incl. Part B, D, Medigap

Medicare Start Age Almost always 65 · Earlier only if disabled

IV. Base Lifestyle Expenses

Monthly costs · auto-totals to annual base spend

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Expense	Monthly ($)	Annual ($)
Fixed Expenses












Variable Expenses











Elite Sinking Funds



TOTAL MONTHLY	$0	$0

V. Debts & One-Time Expenses

Mortgage, loans, and recurring obligations · For real estate: enter Zillow value in Current Value and appreciation rate so your home equity appears on the Dashboard

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Include?	Debt Name	Purchase Price ($)	Monthly ($)	Annual ($)	Start Date	End Date	Balance ($)	Bal. Remaining	Inflate?	Inflation Rate (%)	Current Value / Zillow ($)	Appreciation Rate (%) Real estate only
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VI. Named Accounts (12)

Retirement accounts, balances, and expected returns

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Include?	Account Name	Owner	Type	Balance ($)	Cost Basis ($)	Return (%)	Ann. Contrib ($)	Emp. Match ($)	Contrib Start	Contrib End	Withdraw Start	Status	Show on Summary?

Protected accounts grow but are never drawn down for living expenses. · Show on Summary? — choose Yes for accounts you want included on your printed Summary Report PDF.

VII. Safe Spend Solver & Smile Curve

Editable phase ranges and optional override amounts

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i What this number means — and why you can trust it

Your Suggested Safe Extra is the most you could spend each year, on top of your essentials, while still leaving the inheritance you set as your goal.

How it's calculated: the planner runs your entire retirement — every year, every account, taxes included — over and over, raising that number until you'd finish at exactly your legacy target. Not a dollar short, not a dollar wasted. It isn't a guess; it's the ceiling your own numbers support.

It's your maximum — not a nudge to spend all of it.
Choosing a smaller number is the cautious move: you'd simply leave more than your goal behind. You can't go wrong spending under the suggestion.
The only real risk is spending more than this, which draws down the inheritance you're protecting.
These figures assume your plan's growth and inflation rates. To see how a market downturn would change them, open the Stress Test page.

Want to play it safer? Type a smaller number in the Chosen Override column below for any phase, and the plan will use yours instead of the suggestion.

Live Solver Output — auto-calculated from your Google Sheet

Suggested Safe Extra

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Solver-optimized/yr

Phase 1 Guidance

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Early boost (1.15x)

Phase 2 Guidance

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Base mid-years (1.0x)

Phase 3 Guidance

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Late reduction (0.9x)

Surplus / Shortfall

—

ON TRACK ✅

Ending Liquid Assets: — Legacy Goal: — — Solver note: The solver tests the smile curve after normalizing phase weights. Set a Chosen Amount to override.

Smile Curve Phases — edit year ranges and override amounts

Phase	Description	Chosen Override ($/yr)	Solver Guidance ($/yr)
Phase 1	Go-Go Years — Early Boost	$ 0 = use solver guidance	—
Phase 2	Slow-Go Years — Base Rate	$ 0 = use solver guidance	—
Phase 3	No-Go Years — Late Reduction	$ 0 = use solver guidance	—

X & XI. Roth Conversion Solver & Plan

Analyze optimal conversion · then enter your actual planned conversions by year

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X. Roth Conversion Solver — Analysis Settings

How the solver works: It compares two tax rates — your rate NOW (the bracket you fill up to) vs your rate in the FUTURE (at your RMD age — 73 or 75 by birth year). If your future rate will be higher than today, converting now saves money. Check your Dashboard for your projected income at your RMD age (73 or 75) to estimate your future rate. This answers: "How much to convert?" — For "When can I access it?" see the Roth Access Ladder →

Analysis Year Which year to analyze

Target Bracket to Fill NOW Convert Roth up to this bracket each year while in a low tax window

Projected Tax Rate at RMDs FUTURE Your estimated effective rate when RMDs begin (age 73 or 75) — find this on your Dashboard for year 2037 (or when you turn 73). Higher RMDs = higher rate than you might expect.

Solver Results — calculated from your Master projection

Analyzing...

Est. Taxable Income

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Pre-conversion in chosen year

Optimal Conversion

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Sweet spot to fill bracket

Tax Cost Now

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Marginal tax on conversion

Lifetime Tax Savings

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vs. waiting for RMDs

Est. RMD at RMD Age

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Forced withdrawal/yr

IRMAA Warning

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Medicare surcharge threshold

5-Year Rule

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Access before 59½

Total Planned Conversions

$0

Across all years in plan

My state taxes Roth conversions (adds state rate to tax cost calculation)

XI. Roth Conversion Plan — Enter Your Actual Planned Conversions by Year

Enter the dollar amount you plan to actually convert each year for each partner. Leave blank or 0 if no conversion planned. These amounts feed directly into the Master projection.

Year	Partner 1's Conversion ($)	Partner 2 Conversion ($)	Total Conversion	Notes
TOTAL ALL YEARS	$0	$0	$0

Welcome to RetireBlueprint Pro!