Retirement Account Withdrawal Sequence Calculator
Optimize withdrawal order to minimize taxes and maximize longevity.
Account Summary
Taxable:$ 50000
Traditional:$ 300000
Roth:$ 100000
Total Balance:$ 450000
Years Covered:9.0
Strategy 1: Taxable → Traditional → Roth
Order:Taxable first, then Traditional
Final Roth:$ 0
Tax on Traditional:$ 80472
Preserves Roth for late retirement. Traditional taxed at withdrawal.
Strategy 2: Roth → Taxable → Traditional
Order:Roth first, preserve Traditional
Final Traditional:$ 0
Tax on RMDs:$ 0
Reduces RMD burden. Traditional grows tax-deferred but taxed at RMD.
RMD Considerations
RMD Starts:Age 73
RMD Applies:No (yet)
Est. Annual RMD:$ 11321
SECURE 2.0 Act: RMDs start at age 73 (was 72). Traditional accounts subject to RMD.
Recommended Sequence
Taxable → Traditional → Roth
Based on your account balances, tax bracket, and RMD timing.
Withdrawal Sequence Key Points
- Taxable first: already taxed, reduces estate taxes
- Traditional: taxed at withdrawal, RMD at age 73+
- Roth: tax-free growth, no RMD, ideal for late retirement
- High tax bracket: consider Roth first to lower taxable income
- Low tax bracket: withdraw Traditional to fill bracket
- Consider Roth conversions in low-income years
- Balance RMDs with voluntary withdrawals
- Coordinate with Social Security taxation thresholds
- Review annually as tax brackets and balances change