Free · 60 seconds

How much of your IRA belongs to the IRS?

Your 401(k) and traditional IRA are pre-tax — you'll owe income tax on every dollar you pull out. See your hidden tax bill, and how to shrink it.

Your 401(k) + traditional IRA balance

Your age

Money used / passed on by age

Your (or heirs') tax bracket

Expected growth /yr

The IRS's share of your IRA — today

at your bracket

IRS

You

Actually yours today (after tax)$0

Grown to age 85$0

The IRS's share then$0

Left for your family (after tax)$0

How families "rescue" it 👇

Roth conversions — move money to tax-free buckets over time, on your terms, at today's rates.

Life insurance transfer — reposition a portion into coverage that passes to your kids 100% income-tax-free (no 10-year IRS clock).

Smart withdrawal timing — pull income in your lower-tax years to blunt the future hit.

Which mix fits your family depends on your situation — that's the 15-minute conversation.

Get your personalized IRA Rescue plan

We'll map the moves that could keep more of this money in your family — free, no pressure.

Or book a free 15-min review →

Educational only — not tax, legal, or investment advice. This is a simplified illustration using the single tax rate and growth you selected; real taxes depend on your total income, brackets, deductions, state taxes, future law changes, and RMDs, and are not calculated here. Life insurance guarantees depend on the issuing carrier. Consult a licensed tax professional and advisor about your situation. © Grow-Shine Financial Group LLC.