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Tax-Efficient Withdrawal-Order Calculator

Taxable first? Traditional? Roth last? The order you tap accounts can be worth tens of thousands in lifetime taxes. This sequences your withdrawals tax-efficiently, including required minimum distributions from 73 on. Free, no signup.

Or just ask out loud. Mali is a voice AI — talk to her and she runs this on your own linked accounts, then explains the answer out loud in plain English.

What you paid in — only the gain above this is taxed. Blank = assume all gain.

Educational estimate, not financial advice. Roth conversion calculator · Safe-spending calculator · Talk to Mali · All features