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Your Household

Enter your household once. Every tool opens with it. What you type here is kept in this browser, on this device, and is never sent anywhere. Saving or opening a .buk file in any tool updates it too, and you can forget it at any time.

Saved as you type

The household

Nothing is kept in this browser yet. Change any field and it will be.

You

Current age Your age this year. Plan to age How far the projections run.

Filing status How you file now.

Spending and income Annual spending, after tax What you actually spend a year, in today's dollars. Taxes are worked out on top.

Social Security a year The whole household's benefit. Pension and other income a year Taxed as ordinary income.

Accounts

Taxable savings Brokerage and bank money outside retirement accounts. Cost basis The part of taxable savings that is not gain. %

Traditional balance All pre-tax IRAs and 401(k)s combined. Roth balance All Roth accounts combined.

Growth share of each account: the part held in stocks. The rest earns the safe rate.

Taxable % Traditional % Roth %

Rates

Growth rate A long-run rate with the crashes in it: about 10% for stocks since 1928. % Safe rate What cash and short-term bonds earn a year. %

Inflation Spending and income rise with it each year. %

The bucket simulator keeps its own growth rate, because it depends on the downturn you place there.

Removes it from this browser, with every tool's saved settings, and puts the defaults back. Files you downloaded are not touched.

Eleven tools

Every tool opens with it

Each tool takes the fields it uses. What only one tool asks about — a claiming age, a care cost, a downturn — stays that tool's own setting, kept with the household when you save there.

Roth Conversion Planner

Uses every field here. Your spouse's details, claim ages and the conversion plan are set in the planner.

Open pre-filled

State Tax on Retirement Income

A reference table with nothing to fill in, so it has nothing to pre-fill.

Open the table

Real Marginal Rate Explorer

Uses your age, filing status, Social Security, and pension and other income.

Open pre-filled

RMD & IRMAA Horizon Projector

Uses your ages, filing status, the traditional balance and its growth share, Social Security, pension and other income, and inflation.

Open pre-filled

Withdrawal Order Sandbox

Uses every field here; its defaults are the ones on this page.

Open pre-filled

Retirement Bucket Simulator

Uses your ages, the safe rate and inflation. Total assets start as the three balances added up, and spending as a withdrawal rate on them, until you save the simulator's own settings.

Open pre-filled

Retirement Date Roulette

Uses your ages and spending. Total assets start as the three balances added up, until you save the roulette's own settings.

Open pre-filled

Social Security Claiming-Age Optimizer

Uses filing status, and pension and other income as other taxable income. Benefits come from your SSA statement, entered there.

Open pre-filled

Widow's Penalty Simulator

Uses your ages, the balances and cost basis, the traditional growth share for every account, spending, Social Security, pension and other income, and inflation. It files jointly until the death.

Open pre-filled

Your Heirs' Tax Bill

Uses the three balances, as the accounts left at death.

Open pre-filled

The Long-Term Care Shock

Uses filing status, Social Security, pension and other income, spending, and cost basis.

Open pre-filled

What is kept, and where

Your browser, not our server

What is kept

The household above and, once you save from a tool, that tool's own settings: the same things a .buk file holds, balances and income included. Nothing else.

Where

In this browser's local storage, on this device. It is never sent to BucketSavers or anyone else. Another browser or device will not see it, and a private window forgets it when you close it.

When it changes

Every change on this page is kept as you type. Saving a .buk file in any tool updates it, and opening a household .buk file in any tool, or here, replaces it.

How to remove it

Press Forget this household above, or clear this site's data in your browser's settings. To keep a copy you control, download it as a .buk file: plain JSON you can open in any text editor. More on the privacy page.