Retirement Withdrawal Calculator

The order you withdraw matters. Taxable first (LTCG at 15%), then 401(k)/IRA (ordinary income), then Roth (tax-free). See your year-by-year withdrawal schedule and total tax paid.

Retirement Accounts

Taxable Account ($)

Taxable Cost Basis ($)

401(k) / Trad IRA ($)

Roth IRA / Roth 401(k) ($)

Retirement Plan

Current Age

Filing Status

Annual Spending ($)

Social Security Benefit ($)

SS Claiming Age

Expected Return (%)

Inflation (%)

Total Tax Paid

$409,924

Initial Withdrawal Rate

4.4%

IRMAA Years

Depletion Age

100+

Withdrawal Strategy

Optimal order: taxable (LTCG at 15%) → tax-deferred (ordinary income) → Roth (tax-free). RMDs begin at 73.

Age	Taxable WD	401k WD	Roth WD	SS	Tax	Remaining
65	$80,000	$0	$0	$0	$2,400	$1,823,200
68	$55,401	$0	$0	$30,750	$1,662	$1,954,342
71	$59,661	$0	$0	$33,114	$1,790	$2,131,380
74	$63,341	$63,754	$0	$35,661	$7,349	$2,192,944
77	$0	$74,647	$0	$38,403	$6,921	$2,372,722
80	$0	$87,646	$0	$41,355	$8,658	$2,545,868
83	$0	$101,592	$0	$44,535	$10,522	$2,706,053
86	$0	$117,211	$0	$47,960	$13,806	$2,845,315
89	$0	$132,559	$0	$51,647	$17,588	$2,959,657
92	$0	$145,814	$0	$55,618	$20,941	$3,048,220
95	$0	$154,159	$0	$59,895	$23,248	$3,117,353
98	$0	$152,601	$0	$64,500	$23,411	$3,194,374

Related Calculators

RMD Calculator

Required minimum distributions, age 73 RBD, life-expectancy tables

Social Security Tax

6.2% on wages up to $176,100 wage base (OASDI)

Roth Conversion Calculator

Pro-rata tax on conversions, tax-free growth at conversion basis

401(k) Calculator

Contribution limits, employer match, tax-deferred growth