Academy · Advanced Track
Tax Drawdown Tool
You spend decades climbing, saving and investing across three tax buckets. This tool plans the descent: exactly how much to pull from each account, and when, so you come down the mountain without an avalanche of tax owed.
You
Adjust custom drawdown for inflation each year
Your three buckets
| Annual contribution | Current balance | Drawdown at retirement | |
|---|---|---|---|
| Pre-Tax 401k, Traditional IRA |
$ |
$ |
$ |
| Roth Roth 401k, Roth IRA |
$ |
$ |
$ |
| Taxable Brokerage Independent, most flexible |
$ |
$ |
$ |
Drawdown amounts only apply to Custom Drawdown, and only take effect in your retirement year. Enter them as negative numbers (money leaving the account). Line them up against the reference tables below to target a 0% tax bill.
Enter your numbers above, then run Drawdown to $0 or Custom Drawdown to see your schedule.
Tax reference tables
These are reference only. Nothing here drives the calculation automatically, you decide the drawdown amounts by hand using these numbers, same as the original sheet. Edit any figure below when the tax code updates, everything on this page will follow.