# Drawdown Arc

> Free, client-side retirement drawdown projection calculator. Models year-by-year asset growth, withdrawals, Social Security, pensions, and real U.S. federal and state income taxes from current age through end of plan. Runs entirely in the browser — no signup, no account, no data collection.

Drawdown Arc answers "will my money last, and what will I actually pay in taxes?" It uses real 2026 federal brackets and verified state tax rules (50 states + DC), enforces RMDs, and grosses up withdrawals for taxes so projected spending is after-tax. The free tier is fully usable on its own; Pro ($8/mo or $80/yr) adds state-tax modeling, scenario comparison, stress testing, Monte Carlo, a Social Security timing optimizer, and a Roth conversion analyzer.

## Core pages

- [Landing page](https://drawdownarc.com/): What Drawdown Arc is and who it's for.
- [Calculator app](https://drawdownarc.com/app): The interactive projection engine (free, no signup).
- [How it works](https://drawdownarc.com/how-it-works): Methodology — engine, tax modeling, assumptions.
- [Pricing](https://drawdownarc.com/pricing): Free vs Pro feature comparison.
- [Compare scenarios](https://drawdownarc.com/compare): Side-by-side scenario comparison (Pro).
- [About](https://drawdownarc.com/about): Background and approach.

## Guides

- [Safe withdrawal rate](https://drawdownarc.com/guides/safe-withdrawal-rate): How much you can withdraw without running out.
- [Does the 4% rule still work](https://drawdownarc.com/guides/does-the-4-percent-rule-still-work): Stress-tested with real projections.
- [Roth conversion strategy](https://drawdownarc.com/guides/roth-conversion-strategy): Filling brackets before RMDs hit.
- [RMDs explained](https://drawdownarc.com/guides/rmds-explained): Required minimum distributions at age 73/75.
- [IRMAA Medicare surcharges](https://drawdownarc.com/guides/irmaa-medicare-surcharges): How retirement income raises Medicare premiums.
- [When to start Social Security](https://drawdownarc.com/guides/when-to-start-social-security): Claiming-age tradeoffs.
- [State retirement income tax hub](https://drawdownarc.com/guides/state-taxes/): How all 50 states + DC tax retirement income.
- [Which accounts to withdraw from first](https://drawdownarc.com/guides/which-accounts-to-withdraw-from-first): Withdrawal sequencing.
- [Sequence of returns risk](https://drawdownarc.com/guides/sequence-of-returns-risk): Why early-retirement market crashes hurt most.
- [Can I retire at 60](https://drawdownarc.com/guides/can-i-retire-at-60): Age-specific feasibility walkthrough.
- [Can I retire at 62](https://drawdownarc.com/guides/can-i-retire-at-62): Earliest Social Security claiming age.
- [Can I retire at 65](https://drawdownarc.com/guides/can-i-retire-at-65): Medicare-eligibility milestone.
- [How long will my savings last](https://drawdownarc.com/guides/how-long-will-my-savings-last): Depletion-age modeling.

## Features

- Year-by-year projection of five asset buckets (Roth, tax-deferred, taxable, cash, crypto/alts)
- Real 2026 federal income tax modeling with iterative withdrawal gross-up
- State income tax modeling for all 50 states + DC (verified 2025 rules) — Pro
- Required minimum distributions (RMDs) enforced at age 73/75
- Social Security and pension income with COLA, plus deterministic survivor modeling
- Monte Carlo simulation and historical stress testing — Pro
- Social Security claiming-age and longevity optimizer — Pro
- Roth conversion analyzer (bracket-fill headroom before RMDs) — Pro
- Scenario save, comparison, and PDF/Excel export

## Optional

- [Full guide index and methodology](https://drawdownarc.com/llms-full.txt): Complete list of all topic and state guides, tier breakdown, and modeling notes.