Tax

Tax-Efficient Withdrawal Order Calculator

Compare four retirement withdrawal orders (conventional, taxable-first then Roth, bracket-fill hybrid, and custom) on cumulative taxes and ending net worth.

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How to use

Enter your balances across taxable, pre-tax, and Roth accounts.
Set your net spending target and tax assumptions (federal, Arizona, cap gains).
Choose a strategy or build a custom withdrawal order; toggle RMDs and QCDs.
Review the strategy comparison table and year-by-year cashflows for the active strategy.

Assumptions & disclaimer

These calculators are educational. They use simplified models and the inputs you provide. Results are estimates and not personalized financial, tax, investment, or legal advice. Tax law, market behavior, and personal circumstances change — verify any assumption before acting on it, and consider working with a qualified professional for decisions that matter.

Simplified flat effective rates for federal and state ordinary income; no bracket creep within a year.
Capital-gains rate is applied to the qualified portion of taxable returns; Arizona tax on gains is toggleable.
RMDs use the IRS Uniform Lifetime divisor; if 'force RMDs into plan' is on, RMD excess flows to taxable.
Spending is taken net of taxes; gross withdrawals are computed to net to the spending target.