Withdrawal Sequence
Rough draw order illustration using 4% of each bucket (educational only).
Financial Disclaimer
This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.
Inputs
$
$
$
$
Results
From taxable (illustr.)
$16,000.00
From deferred (illustr.)$32,000.00
From Roth (illustr.)$8,000.00
Approx tax on deferred part$7,040.00
NoteIllustrative sequence: taxable → tax-deferred → Roth (adjust for RMDs and brackets).
How to Use This Calculator
- Enter your current balances across three account types: taxable brokerage, tax-deferred (401(k)/IRA), and Roth accounts.
- Enter your total annual withdrawal need from the portfolio.
- Set your ordinary income tax bracket for deferred account withdrawals.
- Review the illustrated withdrawal sequence: taxable first, deferred next, Roth last — this minimizes lifetime taxes in most scenarios.
- Consult a financial planner to optimize withdrawals for your specific income sources, RMDs, and Social Security timing.
Ad Placeholder
Ad Placeholder