P Path Wealth AdvisorsRetirement Planning Hub
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Your Free Retirement Command Center

Plan your retirement income with confidence.

Create your free account to unlock a suite of planning tools — optimize when to claim Social Security, model your taxable, tax-deferred, and tax-free accounts, project RMDs, and see how tax-smart withdrawals could save you six figures over your lifetime.

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4 planning calculators
$100k+ potential lifetime tax savings
2 min to your first result

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One free account unlocks every calculator and syncs your plan across all your devices. Your data stays private.

✓ Social Security claiming optimizer
✓ Tax-smart withdrawal planner
✓ RMD projection calculator
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By creating an account you agree to be contacted by Path Wealth Advisors about your retirement planning. We never sell your information. This tool provides educational estimates only — see full disclosures below.

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Welcome

Choose a calculator to begin. Your inputs carry over between tools.

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Social Security Optimizer

Find the claiming age that maximizes your lifetime benefits — with a tax & RMD overlay showing the true after-tax picture.

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Tax-Smart Withdrawal Planner

Compare a conventional withdrawal order against a tax-smart strategy and see the lifetime tax difference.

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RMD Calculator

Project your Required Minimum Distributions year by year, and see the tax they create.

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Social Security Taxation Estimator

See how much of your benefit is taxable — and how Roth vs. Traditional withdrawals change it.

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The three types of retirement money

Where your income comes from changes how much tax you pay — and how much of your Social Security gets taxed.

Taxable

Brokerage & bank accounts

  • Funded with after-tax dollars
  • Interest & dividends taxed each year
  • Only the gain is taxed at sale — often at lower long-term capital-gains rates
  • No RMDs, full flexibility
Effect on Social Security: realized gains, interest & dividends count in provisional income and can push more of your benefit into taxation.
Tax-Deferred

Traditional IRA / 401(k)

  • Funded with pre-tax dollars (deduction now)
  • Grows tax-deferred
  • Every dollar withdrawn is taxed as ordinary income
  • Subject to RMDs starting at age 73 or 75
Effect on Social Security: withdrawals & RMDs are ordinary income that fully count in provisional income — the biggest driver of Social Security taxation.
Tax-Free

Roth IRA / Roth 401(k)

  • Funded with after-tax dollars
  • Grows completely tax-free
  • Qualified withdrawals are 100% tax-free
  • No RMDs during your lifetime (Roth IRA)
Effect on Social Security: qualified Roth withdrawals are invisible to provisional income — they don't push your benefit into taxation. Your most powerful tax lever.
Hub › Social Security Optimizer

Social Security Optimizer

Find your optimal claiming age, then layer in your accounts to see the after-tax picture.

You Your details

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Spouse Spouse details

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Advanced assumptions
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Lifetime benefit by claiming age

Lifetime valueOptimal

Break-even: claim early vs. wait

Cumulative benefits — where the lines cross is your break-even age.

What each claiming age means for you

Monthly income and lifetime value at key ages.

Add your accounts to see the after-tax picture

Enter your balances to reveal how taxes, RMDs, and withdrawal strategy affect your real, spendable outcome.

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This is the math. Now let's make it your plan.

Your optimal claiming age and a tax-smart withdrawal order can add six figures to your lifetime income. A Path Wealth advisor can build and manage the full strategy for you.

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Hub › Tax-Smart Withdrawal Planner

Tax-Smart Withdrawal Planner

Compare a conventional withdrawal order (taxable → tax-deferred → Roth) against a tax-smart strategy that uses bracket-fill Roth conversions in your low-income years. See the lifetime difference in taxes and after-tax wealth.

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Hub › RMD Calculator

Required Minimum Distribution (RMD) Calculator

Project the mandatory withdrawals from your tax-deferred accounts and the taxable income they create.

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Hub › Social Security Taxation Estimator

Social Security Taxation Estimator

See how much of your Social Security benefit is taxable based on your other income — and watch how shifting income from Traditional to Roth withdrawals lowers it.