Methodology

A detailed Methodology document — covering the sources, assumptions, and calculation logic behind every projection MyRothAgent produces — is forthcoming.

In the meantime, MyRothAgent projections are based on:

• IRS Publication 590-B (RMD divisors, including the Joint Life Table)
• 2026 federal tax brackets and standard deduction amounts
• IRMAA tier thresholds in effect at calculation time
• SECURE Act 2.0 provisions (age 75 RMD start year)
• State tax rules for the state the user selects

Every paid analysis includes a 104-column audit CSV documenting each line of the projection — including per-spouse balance splits so a CPA can verify household totals match primary + spouse on every row. Calculations can be re-derived by hand.