TAX-FUTURE IMPACT CALCULATOR™

Is Your Retirement Really Yours - or Already Promised to the IRS?

Most people look at their 401(k) or IRA and think, “That’s my money.” But with tax-deferred accounts, it’s really a partnership with the U.S. government — and the IRS decides their share later.

The Tax-Future Impact Calculator shows, in plain English, how much of your future “nest egg” you may actually keep… and how much may already be promised to taxes if nothing changes.

It’s not about fear — it’s about clarity, so you can decide whether to stay the course or start building a bridge to tax-free income.

Why This Matters Now — Not “Someday”

You can’t wait until five years before retirement and hope to dodge the tax problem:

The clock on compounding doesn’t stop. Every year you stay heavily loaded in tax-deferred accounts, you’re compounding a future tax problem — not just a nest egg.
Windows close. Tax laws, contribution limits, and product designs can change. The strategies available today to reposition money into tax-advantaged vehicles may not look the same in 5–10 years.

If the calculator shows a painful number in the “IRS share” line, that’s your signal. It’s time to stop assuming “I’ll be in a lower bracket later” and actually design a plan that doesn’t depend on Congress keeping its promises.

What This Calculator Actually Does (In Plain English)

This tool focuses on one thing: your tax-deferred bucket — traditional 401(k)s and IRAs. You plug in:

Your current 401(k)/IRA balance
How much you’re adding each year
How many years until you retire
A reasonable growth rate
The future tax rate you want to stress-test

Then the calculator shows you:

Projected pre-tax balance

The “big number” you see on your statement if everything grows as assumed.

Estimated future tax bill

What that government partner could take if tax rates are at the level you selected.

What you may actually keep

Your net spendable retirement money — the number that really matters.

Why We Let You Choose the Future Tax Rate

We didn’t try to “guess” your future tax bracket for two reasons: no one knows exactly where tax law is going, and what we do know is that we have record national debt, massive unfunded promises, and historically low tax rates compared to where they’ve been. When the bill comes due, tax rates are one of the easiest levers for Congress to pull.

We want you to think like a strategist, not a spectator. Instead of pretending we know your future bracket, we let you stress-test three realistic scenarios:

22%

Today’s lower-end bracket (optimistic)

37%

Today’s lower-end bracket (optimistic)

45%

Today’s lower-end bracket (optimistic)

Where Do Roths, Life Insurance, and Tax-Free Strategies Fit?

This calculator only stress-tests the tax-deferred side of your world. It’s not designed to model Roth IRAs, Roth 401(k)s, max-funded life-insurance strategies, or advanced business-owner planning. Those are tax-free or tax-favored buckets — they’re part of the solution, not the problem.

On a Bridge Strategy™ call, we’ll map out your current tax-deferred exposure, show how much could be repositioned over time, and run custom scenarios using life-insurance-based strategies under IRC §§ 72(e), 7702, and 101(a) to build tax-advantaged income through retirement, not just to it.

The calculator gives you the diagnosis. The Bridge Plan™ call walks you through a treatment plan.

Why We Didn’t Add 20 Extra Inputs

You might notice we didn’t ask for your state, filing status, or an exact modeled tax table. That’s on purpose. This calculator is meant to be a clear, fast wake-up call — not tax-prep software. Adding every variable would make it slower, harder to understand, and still wrong, because tax law will change anyway.

Instead, we focused on the one question that matters: “If tax rates are this in the future, how much of my ‘retirement account’ is actually mine, and how much is silently promised to the IRS?”

Once you see that gap, that’s where strategy begins — and that’s what we do together on a Bridge Plan™ call.

Tax-Future Impact Calculator

See how much of your retirement may really belong to you — and how much may already be promised to the IRS.

Your current 401(k)/IRA balance ($)

Annual contribution to tax-deferred accounts ($)

Years until retirement

Expected annual return (%)

Estimated future tax rate We’re looking at what happens when you take the money out, not today.

Your Next Step: Turn the Numbers Into a Plan

The calculator just showed you a rough X-ray of your retirement accounts. You now know what you think you have, what the IRS might already have a claim on, and what may actually be available for your future lifestyle.

We’ll take your real numbers (including Roths, pensions, business income, etc.).
Stress-test your current plan under realistic future tax scenarios.
Show how a properly structured, max-funded life-insurance strategy can help protect against higher taxes and create tax-advantaged income you can’t outlive.

You can’t control Congress. You can control when you decide to stop postponing the tax problem and start building your bridge. The Bridge Plan™ uses properly structured life insurance under IRS Sections 72(e), 7702, and 101(a). It is not an investment or security.

Benefits depend on policy design, carrier performance, and adherence to IRS guidelines. Loans and withdrawals reduce cash value and death benefit; keeping the policy in force is required for tax-advantaged treatment.