Decumulation Studio

Decumulation Studio for Roth Conversion and Withdrawal Planning

Compare Roth conversion and withdrawal schedules across tax brackets, IRMAA, ACA, lifetime-tax, and terminal-wealth constraints.

Retirement tax planning becomes harder once conversions, withdrawals, account balances, Medicare thresholds, ACA credits, and capital gains interact across years.

Decumulation Studio models those interactions as explicit schedules so users can inspect which constraint is driving each year of the plan.

Open decumulation exampleRead Roth Conversion Docs

What the studio compares

  • Multi-year Roth conversion and withdrawal schedules.
  • Goals such as filling a bracket, staying under an IRMAA tier, increasing modeled ACA credits, improving terminal wealth, or reducing modeled lifetime tax.
  • A year-by-year marginal-cost view that attributes pressure to federal brackets, capital gains, NIIT, IRMAA, ACA, and state tax.

Why it belongs next to Roth conversion planning

A conversion schedule changes the withdrawal path, and a withdrawal path can change the cost of each conversion. The studio keeps those decisions in the same modeling frame instead of treating them as separate calculators.

Inputs to check before interpreting results

  • Account balances by tax treatment and the source of conversion taxes.
  • Filing status, ordinary income, Social Security, state tax, and capital-gain assumptions.
  • Which constraint the run is optimizing against, because a bracket-fill run and an IRMAA-limit run can answer different questions.

Interpretation boundary

This is educational scenario modeling. It does not determine whether a conversion or withdrawal action is appropriate for a specific household or tax return.

Related Pages

Roth Conversion Planner

Open a pre-RMD example conversion schedule before comparing decumulation paths.

Retirement Planner

Review retirement cash-flow and spending-rule outcomes.

Roth Conversion Docs

Read the modeling assumptions behind the tax-cliff workflow.