Hi, I'm a fan of how FIRECalc works but it appears to have a limitation that I've seen in other retirement calculators: it simply asks for current portfolio assets, and not assets per account type. I have the largest chunk of my assets in 401k and Traditional IRA accounts, and so they are effectively about 25% smaller than they appear due to deferred federal and state taxes that I'll have to pay on withdrawal. Do you type your full portfolio into these calculators, or reduce the tax deferred portion by 25% or some other percentage, then type in the remainder?
Thank you!
Thank you!