I've run numbers on many of these calculators. What doesn't seem to be properly allowed for is how one balances withdrawels from differently taxed accounts. As near as I can see, having about 1/3 or more of our available money in non-taxed accounts will give us flexibility that cannot be accounted for (in any of the calculators I've tried) to manipulate taxable income over the course of several years.

I'm thinking you only need to run one year with the maximum amount you think would need to be withdrawn from the IRA. Run it through a tax calculator and determine the taxes paid on that amount only. I'd be curious to know what it is.

Of course, it's only an estimate, but it's more data than you have now.

-murray