VPT Financial Planning Tools

Income & Retirement Planning Dashboard

Project income sources, model RMD obligations, and evaluate Roth conversion strategies. All calculations update live as you adjust inputs.

Client Profile
For accurate RMD start age
Client 2
Income Sources
$
2%
Spouse Social Security
$
Pension
$
0%
50%
Employment Income
$
Other Income
$
Expenses
$
Annual after-tax spending target
3%
Portfolio
$
$
$
5%
Tax Assumptions
18%
Simple gross-up method (matches VPT Excel)
IL excludes retirement income and SS from state tax
Income Sources Over Time
Stacked bar chart showing projected income composition by year
Year-by-Year Projections
From current age through age 95
IRA Balance Over Time
Pre-tax IRA balance declining as RMDs are taken
RMD Schedule
Required Minimum Distributions using 2022+ Uniform Lifetime Table (IRS Pub. 590-B)
Roth Conversion Inputs
Enter conversion amounts for each year. Leave at $0 for no conversion.
Year 1
$
Year 2
$
Year 3
$
Year 4
$
Year 5
$
20%
Net Value Comparison
After-tax net worth: With Conversions vs. Without Conversions
With Conversions
Without Conversions
Educational / Illustrative Only. This tool provides hypothetical projections based on the assumptions entered. It does not constitute personalized investment, tax, or legal advice. Actual results will vary based on market conditions, tax law changes, and individual circumstances. Consult your financial advisor and tax professional before making decisions. VPT Financial is an SEC-registered investment adviser. Registration does not imply a certain level of skill or training.
Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. VPT Financial is not affiliated with Kestra IS or Kestra AS. This tool is for educational purposes only and does not constitute financial advice.