Retirement Calculator — David M. Krause, CPA

Investment, Dividend & Inflation Projection Calculator

Estimate future portfolio value, dividend income, inflation-adjusted purchasing power, and cost-of-living coverage.

Starting Investment Monthly Contribution Annual Price Growth / Investment Return (%) Current Dividend Yield (%) Annual Dividend Growth (%) Dividend Tax Rate (%) Annual Inflation Rate (%) Annual Cost of Living in Today's Dollars Years to Project Contribution Timing Reinvest after-tax dividends Stop Reinvesting Dividends After Year

Example: Enter 15 to reinvest dividends for 15 years, then take the income starting in year 16.

This calculator is for educational purposes only and does not constitute financial, tax, legal, or investment advice. Projections are hypothetical and are not guarantees of future performance. Actual results may vary.

Lifetime Traditional IRA vs. Roth IRA Projection Calculator

Compare projected lifetime taxes, RMDs, and after-tax wealth under a Traditional IRA strategy versus a Roth conversion strategy.

Current Age Expected Lifespan Filing Status Annual Taxable Income Other Than IRA Withdrawals/Conversions Traditional IRA Balance Current Roth IRA Balance Annual Roth Conversion Amount Convert For How Many Years? Expected Annual Investment Return (%) Annual Retirement Spending Need Annual Social Security / Pension Income Used For Spending Expected Inflation Rate (%) State Tax Rate (%) Pay Conversion Taxes From Outside Cash?

This calculator is for educational purposes only and does not constitute tax, legal, investment, or financial advice. Federal tax calculations are simplified estimates using 2026 federal tax brackets and standard deductions. Roth IRA withdrawals are assumed tax-free. Traditional IRA withdrawals, RMDs, and Roth conversions are assumed taxable.