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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 RRSP/RRIF, TFSA and non-registered savings, plus CPP/OAS and any pensions, into steady after-tax spending. Doing it in a tax-smart order is the goal of this planner.
There's no universal answer — it depends on your balances, pensions and CPP/OAS timing. It's often efficient to draw non-registered and some RRSP early (before OAS clawback and mandatory RRIF minimums bite), and leave the TFSA for last. This tool searches the orders for you and recommends one.
Starting CPP at 60 pays 36% less per month than at 65; delaying to 70 pays 42% more. OAS can be deferred to 70 for 36% more. Delaying usually wins if you expect to live past your mid-70s to early-80s and can fund the gap from savings. The optimizer tests different claiming ages.
Yes. This page shows the Canadian version by default — use the link below the calculator to switch to the US version (Social Security, 401(k)/IRA/Roth, required minimum distributions).