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New York: initial supported scope

Include supported New York state tax in year-by-year projections, tested spending levels and withdrawal-order comparisons. Review separate pension exclusions, cash interest and income-based tax adjustments in the annual details and CSV.

Full-year retired Single/Joint households age 61+ outside New York City and Yonkers can include qualifying private employee-service pensions, fully pretax original-owner traditional IRAs, qualified Roth withdrawals and bank interest. Each person shares one $20,000 exclusion across qualifying pensions and IRA withdrawals; bank interest does not qualify and unused exclusions do not transfer. Social Security is excluded. Confirm eligibility, contribution history, identical state/federal basis and cash ownership. No dependents, claimable filers, blindness additions, purchased annuities, workplace/inherited accounts, special public/military/railroad/disability benefits, post-retirement-contribution distributions, brokerage/dividends/bonds, conversions, earned/business income, other-state income, other adjustments or credits. All projected years freeze 2026 rates and deductions; enacted later rate changes are not forecast. The calculation uses published rate schedules and income-recapture worksheets before credits and return-table rounding. Local/property/sales taxes remain in the budget. Funding tests one-cent increments plus the exact available-balance endpoint; an unfunded year uses the best after-tax cash among those candidates in the selected account order. This is not lifetime optimization. A computation-limit error reports no verified amount; turn state mode off to retain your budget allowance.

Virginia: initial supported scope

Retired Single/Joint households can include supported Virginia tax in annual funding, tested spending levels and withdrawal-order comparisons. The calculation includes the Social Security subtraction, age deductions, personal/age exemptions and the Joint spouse tax adjustment using actual owner income. Initial scope covers fully taxable private pensions, original-owner fully pretax accounts, bank cash and qualified Roth withdrawals. No brokerage, dividends, bonds, conversions, disability or special public/military/railroad cases, blindness/dependents or other adjustments/credits. Some low-income age-deduction cases require individual review: the planner reports no automatic result and directs you to your budget allowance. All years hold 2026 rules fixed, including the standard deduction; enacted later increases are not modeled. Estimates use continuous rates and the worksheet spouse adjustment before other credits and tax-table rounding.

Delaware: initial supported scope

Retired Single/Joint households, each age 61+, can include Delaware tax in annual funding, tested spending budgets and withdrawal-order comparisons. Each person must have verified qualifying domicile and at least three completed Delaware domicile years at January 1, 2026. Private pensions, fully pretax original-owner retirement withdrawals and bank interest share each owner’s $12,500 exclusion. Joint households compare Joint and combined-separate standard-deduction state tax each year; federal status stays Joint. Reports show the filing choice and exclusions. No blindness/dependent cases, special public/military/railroad pensions, brokerage, bonds, dividends, Roth conversions, other adjustments or credits beyond basic personal/age credits. All years freeze 2026 rules; continuous-rate estimates omit tax-table rounding. Review the eligibility details in your plan.

Kansas: initial supported scope

Full-year retired Single/Joint households can model Kansas tax on private retirement income, the Social Security exemption, standard deductions and personal exemptions. Annual funding, tested spending budgets and finite withdrawal-order comparisons include the supported state calculation. The initial scope covers fully pretax original-owner private retirement accounts, qualifying private pensions, cash and qualified Roth withdrawals. No specially exempt public/military/KPERS benefits or rollovers, brokerage, bonds, Roth conversions, credits or other adjustments. Every year freezes 2026 rates and deductions; contingent later rate cuts are not assumed. Estimates are before credits and return-table rounding. Review eligibility in your plan.

Colorado: initial supported scope

Full-year retired Single/Joint households can model separate owner retirement and Social Security subtractions, the federal senior deduction and the high-income standard-deduction addback. Annual funding, tested spending budgets and finite withdrawal-order comparisons use frozen 2026 rules, with the temporary senior deduction ending after 2028. Initial scope covers qualifying private pensions, fully pretax original-owner accounts, cash and qualified Roth withdrawals. No brokerage, bonds, Roth conversions, special public/military pensions, credits, rebates (including TABOR) or other adjustments. Estimates use the 4.4% planning rate before credits and return-table rounding. Review eligibility in your plan.

Alabama: initial supported scope

Supported full-year retired Single/Joint households can model private retirement exclusions and the federal-income-tax deduction in annual funding, tested budgets and finite withdrawal comparisons. No defined-benefit/public pensions, exempt-plan rollovers, brokerage, qualified dividends, bonds, conversions, credits or other federal taxes in this initial scope. Every year freezes 2026 statutory rules; estimates are before state credits and return-table rounding. Review eligibility under the optional state-tax settings.

Oklahoma: initial supported scope

Full-year retired Single/Joint households can model qualifying private retirement exclusions, Social Security exclusions and income-dependent age exemptions using frozen 2026 rules. Annual funding, finite withdrawal-order comparisons and tested spending budgets include supported state tax. No brokerage, bonds, special public/military pensions, Roth conversions, other-state income, special deductions or credits. The estimate uses statutory brackets before credits and return-table rounding. Review the state eligibility details in your plan.

Louisiana: initial supported scope

Supported full-year Single/Joint retirement households can include the owner-specific private retirement exclusion, Social Security exclusion and final indexed 2026 standard deductions in annual funding and tested spending/withdrawal comparisons. No additional senior standard deduction is applied. Special government-system pensions or rollovers, disability/survivor cases, Roth conversions, bonds, other modifications and credits are outside this release. Every year freezes final 2026 rules; future CPI changes are not modeled.

Mississippi: initial supported scope

Retired Single or Joint filers with confirmed eligible retirement distributions can include Mississippi tax in annual funding and tested spending/withdrawal comparisons. Qualifying pensions and retirement-account withdrawals are excluded; stock gains, dividends and bank interest remain taxable after supported deductions, exemptions and the tax-free band. Each spouse retains separate income and a separate tax-free band; supported allowances are allocated to reduce current-year state tax. Joint households identify cash/brokerage and surplus ownership. Early distributions, Roth conversions, bonds, itemization, dependents and credits are outside this release. Frozen 2026 rules apply throughout, including the 4% rate; enacted later reductions are not modeled.

Georgia: initial supported scope

Full-year retired Single or Joint filers, each age 62+, can include Georgia tax in annual withdrawals, tested spending and strategy comparisons. Supported pensions, IRA withdrawals/conversions, dividends, bank interest and public-stock/equity-fund gains share each owner’s separate retirement exclusion. Joint cash/brokerage income is split 50/50; account tax details identify individual ownership, and state settings identify the owner of reinvested surplus cash. Unused exclusions cannot transfer between spouses. Social Security is excluded separately. Earned income, special basis, bonds, itemization, credits and special military/disability cases are outside this release. All years use frozen 2026 rules; the enacted 2027 exclusion increase is not modeled. Spending figures are verified tested amounts, not proven maxima.

Iowa: initial supported scope

Supported full-year retired single/joint households can include Iowa retirement and Social Security exclusions, standard-deduction calculations, low-income tax protection and joint alternate tax in annual withdrawals and tested strategies. Qualifying ordinary pensions require classification. Bond adjustments, special basis, dependents, other modifications and credits are excluded. Rules are held at 2026 values; spending figures are tested amounts, not proven maxima.

Arizona: initial supported scope

Arizona now supports confirmed full-year single/joint retirement cases using cash, eligible pretax retirement accounts and qualified Roth IRAs. State tax is integrated into annual funding and tested spending/strategy comparisons. Taxable brokerage, bonds, government/military pension exceptions and charitable deduction increases are excluded. Basic deductions are derived from 2026 statutory indexing; state rules remain fixed through the horizon. Taxes are before other deductions and credits.

State income tax in the same plan

The first supported state rules cover Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Wyoming, limited Pennsylvania retirement cases and supported Illinois, New Jersey, North Carolina and Kentucky retirement households. State tax feeds annual withdrawals, spending tests and strategy comparisons, including supported final-year cash-out tax. Illinois and New Jersey spending results are verified tested amounts, not a proven maximum.

Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas and Wyoming model no personal income tax. North Carolina supports its 2026 rate and standard deduction for households without special exempt retirement benefits. Kentucky supports its 2026 rate/deduction and per-person $31,110 retirement exclusion, before credits and special public/military cases. New Jersey supports verified state account basis and qualifying retirement exclusions for full-year resident filers age 62+, before other deductions/credits. Separate eligibility confirmation and income classification are required. Illinois uses 4.95% after supported 2026 exemptions, with qualifying retirement-income subtractions and federal-AGI exemption cutoffs. Separate Illinois eligibility confirmation is required; dependents, bond adjustments and special cases are excluded. Pennsylvania applies 3.07% to supported taxable income and gains, excludes confirmed eligible retirement distributions and Social Security, and uses the PA-exempt portion you enter for recurring income.

Full-year residency and the current supported rules stay fixed through the horizon. No local tax, interstate moves, Tax Forgiveness or special basis cases. Only deductions and credits explicitly described in each supported state’s scope are included. Other states are not yet calculated: keep an allowance in the budget with this option off.

See the Medicare cost of higher income

Optional Part B and Part D income-related surcharges now feed the same retirement cash flow, spending-capacity calculation and withdrawal/conversion comparisons. A withdrawal or conversion can affect premiums two years later.

Enter 2024 and 2025 Medicare MAGI and the number of full-year enrollees. From 2028, the engine uses its own income from two years earlier. Keep standard premiums and other healthcare costs in your budget; an entered surcharge allowance is replaced once.

For supported retired single/joint households with unchanged filing status and enrollees already age 65 at the start of 2026. CMS 2026 thresholds and surcharges stay fixed in future nominal dollars. No appeals, partial-year enrollment, assistance or post-horizon surcharge estimate, including from the hypothetical terminal cash-out. State income tax is optional for supported Florida/Nevada/Pennsylvania/South Dakota/Tennessee/Texas cases.

Taxable accounts, with cost basis

Supported federal scenarios now include confirmed long-term, gain-only brokerage holdings. Proportional basis follows each modeled sale, so sale proceeds are not all treated as taxable income. Spending capacity and strategy comparisons use the same gain calculation.

No short-term/loss, carryover, wash-sale or tax-lot cases. Returns are price appreciation; cash investment income is entered separately. Review the scope under account Tax details.

Former-employer retirement plans

Supported federal scenarios now include confirmed fully pretax 401(k)/403(b) accounts for owners who left the employer before 2026. Each account uses its own minimum-distribution target and funds the same spending and strategy calculations.

Confirm plan access and the Uniform Lifetime rule under account Tax details. Still-working deferrals, pre-1987 403(b) exceptions, after-tax balances, loans, annuities, special employer-stock treatment and workplace rollovers/conversions are not modeled. Roth workplace accounts remain outside this scope.