MyPlanner
Optimize your withdrawal sequence to minimize taxes and preserve your wealth longer.
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Your Portfolio
Combined income determines your current tax bracket for withdrawal strategy.
Social Security, pension, annuity income expected in retirement.
Current Balances
⚙️ Advanced Assumptions
Recommended Plan
📖 Methodology & Guidance
Inputs: Your current household income (primary + spouse), expected retirement income, spending needs, and account balances across Taxable, Tax-Deferred, and Roth accounts.
Outputs: A personalized withdrawal sequence based on your income level — whether you’re a high earner now (draw Tax-Deferred first) or lower-income (draw Taxable first for 0% capital gains).
How to use: Enter both earners’ incomes to determine your combined household tax bracket. The calculator compares your current bracket to expected retirement bracket to recommend the most tax-efficient withdrawal order. High earners benefit from Tax-Deferred first (filling the standard deduction at 0%), while lower-income retirees may qualify for 0% capital gains on taxable withdrawals.