The order you tap taxable, traditional, and Roth accounts can change how long your money lasts and how much tax you pay. This tool compares three proven withdrawal strategies year by year and shows which leaves you better off.
The conventional wisdom is taxable first, then traditional, then Roth — but a proportional or Roth-last approach with pre-RMD conversions often saves more over a full retirement. This calculator compares all three for your numbers.
Because it controls your taxable income each year, which affects your tax bracket, IRMAA surcharges, and how big your future RMDs become. Smart sequencing can save tens of thousands over a retirement.
Converting traditional money to Roth in the low-income years before RMDs begin. It shrinks future required distributions and can keep you in lower brackets for life.