Retirement Withdrawal Tax Optimization Simulator
"Simulate how your withdrawal order affects taxes and portfolio longevity."
Not all retirement withdrawals are taxed equally. This simulator helps you plan an optimized withdrawal sequence, across Roth, Traditional, and Taxable accounts, to minimize lifetime tax exposure. Compare different strategies side by side to see how they affect your total taxes, net income, and account balances over time.
💰 Starting Balances
💵 Withdrawal Parameters
📊 Tax & Return Parameters
Withdraw from taxable accounts first, then traditional, then Roth last.
The order in which you withdraw money in retirement affects how much tax you'll pay overall. Traditional withdrawals count as taxable income, while Roth withdrawals are tax-free, and taxable accounts are subject to capital gains. Blending withdrawals strategically helps keep your income in a lower tax bracket and reduces required minimum distributions (RMDs) later.
🎯 Key Benefits of Optimization
- Lower lifetime tax payments
- Reduced Medicare surcharges (IRMAA)
- Extended portfolio longevity
- More predictable cash flow
📈 Impact on Retirement
- Can extend portfolio by 2-4 years
- Save $50K+ in taxes over retirement
- Better control of taxable income
- Improved financial flexibility