Find the most tax-efficient way to draw down your retirement accounts — with government benefit timing and the right withdrawal order.
US tax-aware withdrawal — Social Security timing, RMDs, 401(k)/IRA/Roth/taxable order.
62–70
Enter cost basis below
What you paid for the brokerage account
For estimated state income tax
After-tax, all household
Nominal annual
Simplified US federal tax model (2026 brackets) with real per-state income tax for the selected state, annual time step, nominal dollars. Not financial advice. No AMT, NIIT, or IRMAA modeled.
Looking for the Canadian version? See the Canada decumulation calculator →
Decumulation is the retirement phase where you spend down what you saved. The order you withdraw from — taxable, tax-deferred and tax-free accounts — plus when you start government retirement benefits (CPP/OAS in Canada, Social Security in the US) can change your lifetime tax by tens of thousands of dollars. This planner runs a year-by-year projection to your life expectancy, for one person or a couple, then searches withdrawal timing to minimize lifetime tax, maximize your estate, or maximize the odds your money lasts.
Decumulation is the drawdown phase of retirement — turning your 401(k)/IRA, Roth and taxable savings, plus Social Security, into steady after-tax spending. Doing it in a tax-smart order is the goal of this planner.
A common rule of thumb is taxable accounts first, then traditional 401(k)/IRA, then Roth last — so tax-free growth compounds the longest and required minimum distributions (starting at age 73) don't force you into a higher bracket than necessary. This planner projects that order automatically.
Claiming at 62 pays roughly 30% less per month than at full retirement age (67); delaying to 70 pays about 24% more than at 67. Delaying usually wins if you expect to live past your late 70s to early 80s and can fund the gap from savings. The optimizer tests different claiming ages for you.
Yes. This page shows the US version by default — use the link below the calculator to switch to the Canadian version (CPP/OAS timing, RRSP/RRIF/TFSA withdrawal order).