Tools  /  Tax-Efficient Withdrawals

Tax-Efficient Withdrawal
Strategy Tool

Your Inputs

Account Balances

Taxable Brokerage $200,000
Traditional IRA / 401k $500,000
Roth IRA / Roth 401k $150,000

Retirement Details

Annual Spending Need $70,000
Social Security (Annual) $24,000
Other Income (Annual) $0
Plan Through Age 90
Current Age 65
Portfolio Growth 6.0%
Filing Status

Estimated Tax Savings

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vs. proportional withdrawal from all accounts

Optimized: Taxes Paid

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Naive: Taxes Paid

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Optimized: End Portfolio

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Naive: End Portfolio

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Recommended Withdrawal Order

1

Social Security & Other Income

Use guaranteed income first — preserve portfolio growth

2

Taxable Brokerage

Long-term capital gains taxed at preferential rates; step-up at death

3

Traditional IRA / 401k

Ordinary income; draw before RMDs force larger distributions

4

Roth IRA / Roth 401k

Tax-free growth — save for highest-income years or heirs

Account Balances Over Time (Optimized Strategy)

Tax sequencing can save tens of thousands — a professional plan accounts for Roth conversions, RMDs, and IRMAA brackets.

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Educational Use Only

This calculator is provided for educational and informational purposes only and does not constitute investment, tax, legal, or financial advice. Results are hypothetical projections based on the inputs you provide and assumed rates of return — they are not guarantees of future performance. Actual results will vary based on market conditions, taxes, fees, and individual circumstances. Please consult a qualified financial advisor, tax professional, or attorney before making any financial decisions. Marbot Wealth, LLC assumes no liability for decisions made based on the output of this tool.