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Selling a Business

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Business Owner Retirement Planner
Calculator

— Owner retirement planning

Retirement planning built for owners, not employees

A business owner’s retirement has a shape no standard calculator models: income arrives as a mix of W-2 and distributions that stops when you stop; the largest asset is a company worth whatever someone pays on one particular day; a seller note can turn the sale into a decade of income; and the retirement account itself may be funding the business through a ROBS rollover. This tool is built for that: enter the business and the accounts once and get income-stream analysis, sale modelling, ROBS trade-offs, tax analysis and projections across seven dedicated sections.

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The business is most of the balance sheet — For most owners it is sixty to ninety per cent of net worth, and its value is an estimate until the day it sells. The sale price and its timing move the plan more than any savings rate — and both are less certain than a market return.
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Draws are not a salary — W-2 wages, distributions and K-1 income are taxed differently, create different retirement-plan capacity, and stop differently at exit. The mix you set while operating compounds for as long as you own the business.
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A seller note is retirement income — Financing your own sale spreads the gain across years and can lower the effective rate. It also means part of your retirement depends on the buyer running the business well, which is a risk rather than a footnote.
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ROBS puts the plan inside the business — Rolling retirement funds into a C corporation avoids tax and the early-withdrawal penalty. It also concentrates everything into one undiversified asset and turns what would have been capital gains at exit into ordinary income.
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Social security is built on what you reported — A low-salary, high-distribution strategy saves payroll tax and lowers the benefit. The calculator shows both sides rather than assuming one is right.
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The order of the decisions matters — Compensation mix, sale timing, note structure and account drawdown interact. Optimising any one of them alone usually costs more than it saves.
Income streamsSalary vs distributionsBusiness saleSeller noteRetirement accountsROBSC corp obligationsEffective tax rateSocial security5yr projectionsDrawdownNet worth

The calculator

Owner Retirement Model

Seven sections, from the income you draw now through the sale, the accounts, ROBS and the tax on all of it.

Business Owner Retirement Income Plan

Total annual income$626K
After-tax monthly$38,235
Total net worth$14.80M
Replace ratio107%
Retirement horizon13 yrs to retire / 25 yrs funded

Overview -- Retirement Income Dashboard

Total annual income

$626K

Pre-tax all streams

After-tax monthly

$38,235

Net spendable per month

Income replace ratio

107%

Strong replacement

Total net worth

$14.80M

Business + accts + RE

Liquid wealth

$9.41M

Investable assets at retirement

Retirement horizon

25 yrs

Life expectancy less retirement age

Business value (now)

$3.60M

4.5x EBITDA multiple

RE portfolio equity

$0

Not configured

Annual Income by StreamPre-tax, at retirement
Business$250KInvestments$130KRetirement Accts$246K$0$338K$676K
Business
$250K40%
Retirement Accts
$246K39%
Investments
$130K21%
Total pre-tax
$626K100%
Estimates only. Not tax or financial advice. October 27, 2026
© 2026 ExitAdviser.com —Results are estimates for informational purposes only. Not financial, tax, or legal advice. Consult qualified professionals before making financial decisions.