💵 Tax-Efficient Withdrawal Calculator

Optimize your retirement withdrawal strategy to minimize taxes

Annual Income Need (€) *

Current Age *

Must be 59.5+ for penalty-free withdrawals

Taxable Account Balance (€) *

Tax-Deferred Balance (€) *

401k, Traditional IRA, Pension

Tax-Free Balance (€) *

Roth IRA, Roth 401k

Taxable Account Gains (%) *

% of taxable account that is capital gains

Long-Term Capital Gains Rate (%) *

Ordinary Income Tax Rate (%) *

Years to Plan *