Tax-Efficient Withdrawal Order Calculator
Arizona-focused, simplified effective-rate model. Spending target is after tax; withdrawals are grossed up.
Ending Net Worth (Active)
ⓘ$0.0
Cumulative Taxes (Active)
ⓘ$424.3K
Years Funded
ⓘ15
Avg Eff. Tax Rate
ⓘ13.5%
Recommended Strategy
Taxable → Pre-Tax → Roth — Breakeven—sensitive to assumptions.
If results are within ±2%, they are marked breakeven. Small changes in returns or tax rates can flip rankings.
Simplified
Arizona currently uses a flat income tax; this tool applies your user-set state effective rate for simplicity. Social Security isn’t taxed by Arizona (not modeled separately here).
Account Balances Over Time
By account type
Annual Withdrawals by Source
Gross amounts
Annual Taxes Paid
Pre-tax and realized gains
| Year | Age | Strategy | RMD | QCD | Net Need | Gross Taxable | Gross Pre-Tax | Gross Roth | Taxes | End Taxable | End Pre-Tax | End Roth | End Net Worth |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 63 | Taxable → Pre-Tax → Roth | $0.00 | $0.00 | $180,000.00 | $180,000.00 | $0.00 | $0.00 | $0.00 | $415,800.00 | $1,272,000.00 | $424,000.00 | $2,111,800.00 |
| 2 | 64 | Taxable → Pre-Tax → Roth | $0.00 | $0.00 | $180,000.00 | $180,000.00 | $0.00 | $0.00 | $0.00 | $233,442.00 | $1,348,320.00 | $449,440.00 | $2,031,202.00 |
| 3 | 65 | Taxable → Pre-Tax → Roth | $0.00 | $0.00 | $180,000.00 | $180,000.00 | $0.00 | $0.00 | $0.00 | $52,907.58 | $1,429,219.20 | $476,406.40 | $1,958,533.18 |
| 4 | 66 | Taxable → Pre-Tax → Roth | $0.00 | $0.00 | $180,000.00 | $52,907.58 | $168,334.33 | $0.00 | $41,241.91 | $0.00 | $1,336,537.96 | $504,990.78 | $1,841,528.75 |
| 5 | 67 | Taxable → Pre-Tax → Roth | $0.00 | $0.00 | $180,000.00 | $0.00 | $238,410.60 | $0.00 | $58,410.60 | $0.00 | $1,164,015.01 | $535,290.23 | $1,699,305.24 |
| 6 | 68 | Taxable → Pre-Tax → Roth | $0.00 | $0.00 | $180,000.00 | $0.00 | $238,410.60 | $0.00 | $58,410.60 | $0.00 | $981,140.68 | $567,407.64 | $1,548,548.32 |
| 7 | 69 | Taxable → Pre-Tax → Roth | $0.00 | $0.00 | $180,000.00 | $0.00 | $238,410.60 | $0.00 | $58,410.60 | $0.00 | $787,293.88 | $601,452.10 | $1,388,745.99 |
| 8 | 70 | Taxable → Pre-Tax → Roth | $0.00 | $0.00 | $180,000.00 | $0.00 | $238,410.60 | $0.00 | $58,410.60 | $0.00 | $581,816.29 | $637,539.23 | $1,219,355.52 |
| 9 | 71 | Taxable → Pre-Tax → Roth | $0.00 | $0.00 | $180,000.00 | $0.00 | $238,410.60 | $0.00 | $58,410.60 | $0.00 | $364,010.03 | $675,791.58 | $1,039,801.61 |
| 10 | 72 | Taxable → Pre-Tax → Roth | $0.00 | $0.00 | $180,000.00 | $0.00 | $238,410.60 | $0.00 | $58,410.60 | $0.00 | $133,135.40 | $716,339.08 | $849,474.48 |
| 11 | 73 | Taxable → Pre-Tax → Roth | $5,023.98 | $0.00 | $180,000.00 | $0.00 | $133,135.40 | $79,482.77 | $32,618.17 | $0.00 | $0.00 | $675,067.68 | $675,067.68 |
| 12 | 74 | Taxable → Pre-Tax → Roth | $0.00 | $0.00 | $180,000.00 | $0.00 | $0.00 | $180,000.00 | $0.00 | $0.00 | $0.00 | $524,771.75 | $524,771.75 |
| 13 | 75 | Taxable → Pre-Tax → Roth | $0.00 | $0.00 | $180,000.00 | $0.00 | $0.00 | $180,000.00 | $0.00 | $0.00 | $0.00 | $365,458.05 | $365,458.05 |
| 14 | 76 | Taxable → Pre-Tax → Roth | $0.00 | $0.00 | $180,000.00 | $0.00 | $0.00 | $180,000.00 | $0.00 | $0.00 | $0.00 | $196,585.53 | $196,585.53 |
| 15 | 77 | Taxable → Pre-Tax → Roth | $0.00 | $0.00 | $180,000.00 | $0.00 | $0.00 | $180,000.00 | $0.00 | $0.00 | $0.00 | $17,580.67 | $17,580.67 |
| 16 | 78 | Taxable → Pre-Tax → Roth | $0.00 | $0.00 | $180,000.00 | $0.00 | $0.00 | $17,580.67 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| 17 | 79 | Taxable → Pre-Tax → Roth | $0.00 | $0.00 | $180,000.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| 18 | 80 | Taxable → Pre-Tax → Roth | $0.00 | $0.00 | $180,000.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| 19 | 81 | Taxable → Pre-Tax → Roth | $0.00 | $0.00 | $180,000.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| 20 | 82 | Taxable → Pre-Tax → Roth | $0.00 | $0.00 | $180,000.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| 21 | 83 | Taxable → Pre-Tax → Roth | $0.00 | $0.00 | $180,000.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| 22 | 84 | Taxable → Pre-Tax → Roth | $0.00 | $0.00 | $180,000.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| 23 | 85 | Taxable → Pre-Tax → Roth | $0.00 | $0.00 | $180,000.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| 24 | 86 | Taxable → Pre-Tax → Roth | $0.00 | $0.00 | $180,000.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| 25 | 87 | Taxable → Pre-Tax → Roth | $0.00 | $0.00 | $180,000.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
Assumptions & Disclosures
Educational tool; simplified tax modeling.
Spending need is after tax; withdrawals are grossed up. Taxable account uses an after-tax growth approximation: after_tax_return = r_taxable − (qualified_portion × cap_gains_rate). Realized gains on withdrawals occur only above basis.
Pre-tax withdrawals (including RMDs) taxed at your federal + state effective rates. QCDs reduce RMD income dollar-for-dollar (age ≥ 70½). Roth is tax-free.
Arizona notes: We use your effective rates and a toggle to apply state tax to capital gains for simplicity. Social Security not modeled separately; not taxed by Arizona.
This is not tax or investment advice. Consult a fiduciary advisor/CPA. Capital gains, deductions, credits, IRMAA, and SS formulas are simplified.