What is a tax-efficient withdrawal strategy?

A tax-efficient withdrawal strategy optimizes the order you withdraw from Traditional, Roth, and Taxable accounts to minimize lifetime taxes while avoiding tax cliffs like IRMAA and ACA subsidy loss.

Is the 4% rule still valid?

The 4% rule is a starting point but doesn't account for taxes, market conditions, or your specific situation. A tax-efficient withdrawal calculator provides year by year projections tailored to your accounts and tax brackets.

What order should I withdraw from retirement accounts?

The optimal order depends on your tax situation, but generally: taxable accounts first for lower tax rates, then Traditional for deductions, saving Roth for last for tax-free growth. Our calculator optimizes this for your specific situation.

Free Withdrawal Calculator

Optimize withdrawals across Traditional, Roth, and Taxable accounts. Year by year projections with federal, state, and tax cliff calculations down to the dollar.

Enter Your Details

Complete the wizard below to get your withdrawal plan.

Step 1 of 8: About You

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Let's start with some basic information

This helps us calculate your timeline and retirement projections.

Current Age *

Your current age determines the starting point for all projections.

Planned Retirement Age *

When you plan to stop working and begin drawing from retirement accounts.

Planning Horizon (Lifespan)

We recommend planning to age 95 to avoid outliving your money.

Expected Real Return

3.5%

After-inflation return. 3-4% is typical for a balanced portfolio.

Estimated Heir Tax Bracket

20%

Heirs' tax rate when withdrawing from inherited traditional accounts, used to calculate Ending Wealth (To Heirs) when comparing Roth conversion outcomes. Set to 0% if you have no heirs.

What You'll Get

Tax Efficient Withdrawal

Optimal ordering across Traditional, Roth, and Taxable accounts. Takes spouse accounts into consideration for married filers.

Federal and State Tax

All 50 states with real brackets. Capital gains treated separately from ordinary income. Planning a move? Model the switch at any future year.

Tax Cliff Awareness

IRMAA, ACA subsidy loss, NIIT (3.8% surtax), and QBI deduction phaseouts. Avoid costly income threshold surprises.

Year by Year Projections

See exactly how withdrawals, taxes, and account balances evolve each year from now through the end of your plan.

RMD Integration

Required Minimum Distributions calculated at every age. See how RMDs interact with your withdrawal strategy and tax brackets.

Monte Carlo Simulations

Test your withdrawal strategy against 10,000 market scenarios. Know your probability of success, not just a single forecast.

Why Use Our Withdrawal Calculator

Avoid the RMD tax impact by seeing exactly how Required Minimum Distributions push you into higher brackets

Preserve ACA subsidies and avoid IRMAA surcharges with tax cliff awareness built into every projection

Couples support with separate account tracking and withdrawal priority by age for married filers

Actual state tax brackets for all 50 states instead of flat rate estimates that miss the details

10,000 Monte Carlo simulations show your probability of running out of money, not just a single forecast

Full visibility into how your accounts, taxes, and withdrawals evolve over your entire plan

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