Know when to convert. Know when to claim.
MaxiRet models your Roth conversion strategy and Social Security claiming age together — bracket by bracket, year by year — so you can see the tax and timing trade-offs before you make them, not after.
Bracket-aware Roth conversions
Fill exactly to the top of the tax bracket you choose, or let the optimizer target a marginal rate across every year of the plan — not just a flat annual guess.
Social Security claiming age
Compares claiming ages 62 through 70 using your own mortality-weighted assumptions, so the recommendation reflects your household, not a generic rule of thumb.
RMDs, IRMAA, and state tax
Required minimum distributions, Medicare IRMAA surcharge cliffs, and your state's own tax treatment are modeled together, since conversions can trip any of the three.
Market-return stress test
Runs your plan across 500 real historical market sequences, not a single constant growth-rate assumption, so you can see a worst-case and best-case range, not just one line.
Editable Excel export
Every projection exports to a native, editable .xlsx workbook with real Excel charts — built to hand to a spouse, an accountant, or a financial advisor.
Your numbers, your control
An educational modeling tool, not a licensed advisor — every figure comes from the assumptions you provide, and you can change any of them at any time.