Tax-Efficient Withdrawal Calculator
Calculate the most tax-efficient withdrawal strategy for your retirement accounts. Optimize withdrawals from Traditional, Roth, and Taxable accounts to minimize taxes and maximize savings.
Step 1: Account Balances & Tax Rates
Understanding Account Types
Traditional accounts are taxed upon withdrawal. Roth accounts are tax-free in retirement. Taxable accounts have capital gains tax. The optimal withdrawal order minimizes your overall tax burden.
Step 2: Withdrawal Strategy
Tax-Efficient Withdrawal Strategy
A tax-efficient strategy typically involves withdrawing from taxable accounts first, then traditional accounts, and Roth accounts last. This allows tax-deferred growth to continue as long as possible.
Tax-Efficient Withdrawal Results
Estimated Tax Savings with Optimal Strategy
Withdrawal Strategy Comparison
| Withdrawal Strategy | Annual Tax | Total Taxes (20 yrs) | Portfolio Longevity |
|---|
Annual Withdrawal Breakdown
Tax-Efficient Withdrawal Formula
Optimal Strategy = Minimize(Tax Rate × Withdrawal)
To minimize taxes: Withdraw from accounts with the lowest tax impact first. Consider required minimum distributions (RMDs) from traditional accounts after age 72.
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