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Well done, 2gifts. It looks like you are on the right path.

As to taxes on distributions from like IRA or 401K, yes, there is little hope of avoiding them. You can do charitable contributions with them if you decide the funds are surplus. Otherwise, you can use your recent tax rates as a guide. I would reduce value by abt 20%, but in some income brackets rates can be lower or higher. Don't forget state and local income taxes.

On calculators, I much prefer to do the calculations in a spreadsheet. If you get the same numbers, then you know what is in the "black box," and can customize it to your situation. Otherwise, there is always the possibility of calculation surprises and incorrect assumptions that do not apply in your situation.

Also the spreadsheet allows stress tests. If return on investment is lower than expected, what happens? How low before you must make adjustments? This lets you set up alarms to adapt if you need to.
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