Tax-Efficient Withdrawal Order Calculator
See how the order you withdraw from taxable, traditional, and Roth accounts affects your annual tax bill — and how much optimized sequencing saves.
Where Sequencing Value Actually Lives
For most households, lifetime tax savings from optimized sequencing range from low five figures (modest portfolio, low bracket spread) to well into six figures (HNW portfolio, high spread, long horizon). The actual number depends on bracket fill, Roth conversion years, and IRMAA exposure — none of which are constant across households. The full Praxion plan computes the range for your specific inputs.
Get your sequencing-savings range in the full plan →How Retirees Overpay Taxes
Many retirement plans use fixed withdrawal rules without accounting for future RMDs, changing tax brackets, or Medicare premium thresholds. That can create unnecessary tax drag.
Core Tax-Efficient Withdrawal Principles
- Fill lower tax brackets intentionally before RMD years
- Use Roth withdrawals strategically, not by default
- Coordinate Social Security timing with withdrawal windows
- Revisit sequencing annually as tax laws and portfolio balances change
Where Roth Conversions Fit In
Roth conversions can reduce future RMD pressure by moving assets from tax-deferred to tax-free buckets during lower-income years.
Use the Roth Conversion Calculator to estimate conversion ranges and compare lifetime tax outcomes before deciding.
Evidence and Methodology Sources
The strategy framework follows official IRS retirement distribution and IRA conversion guidance, then applies bracket-smoothing logic for year-by-year withdrawals.
Sources: IRS Publication 590-A, IRS Publication 590-B, IRS RMD Guidance.
Related Planning Pages
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