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

Taxable balance

Tax-deferred

Roth balance

Annual withdrawal need

Ordinary tax bracket

Tab to move between fields

Results

From taxable (illustr.)

$16,000

From deferred (illustr.)$32,000

From Roth (illustr.)$8,000

Approx tax on deferred part$7,040

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.

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