Leadership Legacy — Survivor Retirement Stress Test
Confidential Estimate | Educational Purposes Only | leadershiplegacypro.com
1
Household Details
$
Monthly gross benefit
$
Monthly gross benefit
$
Monthly gross amount
$
Monthly gross amount
$
Annuity, rental, etc.
$
Estimate current monthly withdrawals from taxable retirement accounts.
2
Survivor Benefit Assumptions
3
Assets & Expenses
$
$
$
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0
Score
Low Risk
0 – Low306080100 – Severe
Annual Income Lost
$0
vs. current household
Annual Expense Gap
$0 surplus
income vs. survivor costs
Current Tax Est.
$0
MFJ federal estimate
Survivor Tax Est.
$0
single filer estimate
Annual Income Comparison
| Income Source | Current Joint (Annual) | Survivor (Annual) | Change |
|---|---|---|---|
| Social Security | $0 | $0 | – |
| Spouse 1 Pension | $0 | $0 | – |
| Spouse 2 Pension | $0 | $0 | – |
| Other Guaranteed Income | $0 | $0 | – |
| IRA / 401(k) Withdrawals | $0 | $0 | – |
| Total Annual Income | $0 | $0 | +$0 |
Federal Tax Estimate — 2025 Brackets
Current — Married Filing Jointly
$0
Effective rate: 0.0%
Survivor — Single Filer
$0
Effective rate: 0.0%
No significant federal tax change estimated.
Calculation Detail
ItemJoint (MFJ)Survivor (Single)
Gross Income (non-SS + IRA)$0$0
Social Security (annual)$0$0
Provisional Income$0$0
Taxable SS (0% / 0%)$0$0
Gross Income for Tax$0$0
Standard Deduction($30,000)($15,000)
Federal Taxable Income$0$0
Estimated Federal Tax$0$0
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Educational Estimate Only — Not Tax or Financial Advice. This tool applies simplified 2025 federal income tax brackets with standard deductions of $30,000 (MFJ) and $15,000 (Single). Social Security taxable income is estimated using IRS provisional income thresholds (up to 85% of SS may be taxable). Calculations do not account for state income taxes, Medicare IRMAA surcharges, itemized deductions, tax credits, Roth distributions, required minimum distributions (RMDs), capital gains, or any individualized tax or financial factors. Results are approximations for planning conversation purposes only. Consult a qualified tax professional or financial advisor before making any financial decisions.