💰 Tax-Smart Withdrawal Planner

Optimize your retirement withdrawals to minimize lifetime taxes

🎯 Why Withdrawal Strategy Matters
The order you withdraw from different account types can save you tens of thousands in taxes over retirement. This tool helps you create an optimal withdrawal sequence considering tax brackets, RMDs, Social Security taxation, and more.
📊 Account Balances
Long-term capital gains treatment
Ordinary income when withdrawn
Tax-free withdrawals
👤 Personal Information
Before Social Security
💵 Other Income Sources
⚙️ Planning Parameters
$0
Estimated Lifetime Tax Savings vs. Standard Strategy
📅 Recommended Withdrawal Schedule (First 10 Years)
Age Taxable Tax-Deferred Roth Total Withdrawn Est. Taxes Net Income
📈 Tax Efficiency Metrics
Avg Effective Tax Rate
0%
Total Taxes Paid
$0
SS Taxed at
0%
Years in 12% Bracket
0
💡 Advanced Tax Strategies
🔄 Roth Conversions
Convert traditional IRA to Roth during low-income years before RMDs and Social Security begin to fill up lower tax brackets.
📊 Tax Bracket Management
Carefully control withdrawals to stay within the 12% or 22% bracket, avoiding "tax torpedo" on Social Security.
🎁 QCDs (Age 70½+)
Use Qualified Charitable Distributions from IRAs (up to $105k/year) to satisfy RMDs without increasing AGI.
💰 Capital Gains Harvesting
In low-income years, realize long-term capital gains at 0% rate (up to ~$94k for married couples in 2024).
🏥 ACA Premium Tax Credits
If under 65, manage MAGI to qualify for ACA subsidies (income between 100%-400% of poverty level).
⏰ Delay Social Security
Draw down tax-deferred accounts before claiming SS to reduce lifetime RMDs and maximize tax-free Roth growth.