BucketSavers is being built for people who want to manage their own retirement money, pressure-test decisions, and understand tradeoffs before talking to anyone who sells advice.
The first flagship tool
Most Roth conversion examples compare taxes today with taxes later, then quietly skip the opportunity cost of the tax bill itself. BucketSavers makes that cost visible whether you pay from outside cash or from the conversion.
Privacy stance
Calculators run locally. There is no account, no server-side portfolio storage, and no need to paste sensitive retirement data into someone else’s database.
If you want to keep a plan, save it as a local .buk file and reopen it later.
The first version uses plain JSON so users can inspect exactly what is inside.
Tool roadmap
Estimate incremental federal tax, bracket fill, future after-tax comparison, and the hidden cost of paying conversion taxes.
Live prototypeMap cash, income, conservative assets, and growth assets into a retirement spending structure and watch the buckets through a market crash.
Compare taxable, tax-deferred, and Roth withdrawals without pretending one generic rule fits every household.
Important boundary
BucketSavers can help you research and model decisions. It does not know your full tax return, state law, estate plan, benefit eligibility, or household risk tolerance. That boundary is part of the product.