Assuming you retire after 2025, where the tax rate goes back to 2017
Married Filing Jointly or Qualifying Widow(er)
| Taxable Income | Tax Rate |
| $0 – $18,650 | 10% |
| $18,651 – $75,900 | $1,865 plus 15% of the amount over $18,650 |
| $75,901 – $153,100 | $10,452.50 plus 25% of the amount over $75,900 |
| $153,101 – $233,350 | $29,752.50 plus 28% of the amount over $153,100 |
| $233,351 – $416,700 | $52,222.50 plus 33% of the amount over $233,350 |
| $416,701 – $470,700 | $112,728 plus 35% of the amount over $416,700 |
| $470,701 or more | $131,628 plus 39.6% of the amount over $470,700 |
Most of your income after retirement would be taxed as 15%, lower than your current 24%.
