Retirement Drawdown Optimizer

Rebuild

Explore withdrawal strategies, taxes, and Social Security timing with a transparent year-by-year ledger.

Account Balances

Traditional IRA$2,000,000

Roth IRA$0

Taxable Brokerage$500,000

Taxable Cost Basis$250,000

Cash / Money Market$200,000

Simulation Age Range

Age Range62–95

Economic Assumptions

Investment Return7%

Cash Return3%

Inflation Rate3%

Effective Ordinary Income Tax Rate22%

Use a blended rate to approximate progressive brackets.

Capital Gains Tax Rate15%

Spending Plan

Spending Phases

Age Range62–95

Annual Amount$100,000

One-Off Expenses

Social SecurityEnabled

Annual Benefit at FRA$36,000

FRA = Full Retirement Age.

Claim Age67

Withdrawal Strategy

Spending Withdrawal Order

Tax Payment Order

Annual Roth Conversion Amount$50,000

Conversion Age Range63–72

Assumed IRA Tax Rate (for TANW)22%

Running simulation...