Retirement Distribution Tax Optimizer

Input Parameters

Personal & Account Information

Taxpayer Current Age

Taxpayer IRA/401k Balance

Include Spouse

Filing Status

Distribution Strategy

Target Age (when to reach target balance)

Target Balance (amount to leave)

$0 = complete depletion, $100,000 = leave for heirs

Planning Horizon

Economic Assumptions

Investment Growth Rate (%)

General Inflation Rate (%)

Tax Bracket Inflation (Chained CPI) (%)

Income Sources (Optional)

Include Wage Income

Include Pension Income

Include Social Security

Taxpayer Expected Benefit (Monthly)

Taxpayer SS Start Age

Include Spouse Social Security

Estimate your SS benefit at ssa.gov

Total Tax Paid

$0

Total Distributions

$0

Average Effective Tax Rate

0%

Account Depletion Year

N/A

Year-by-Year Results

Year	Age	Wages	Pension	SS (Taxable)	IRA Dist	RMD	Balance	AGI	Tax	Rate

Welcome to the Retirement Distribution Tax Optimizer

This tool uses mathematical optimization to minimize your lifetime tax burden when distributing funds from pre-tax retirement accounts (Traditional IRA, 401k).

Key Features:

Optimizes distributions to minimize total tax over your lifetime
Implements OBBB Act 2025 permanent tax brackets
Enforces Required Minimum Distributions (RMDs) starting at age 73
Supports both Single and Married Filing Jointly status
Includes wages, pension, and Social Security income sources
Allows you to specify target balance (e.g., $0 for complete depletion or leave for heirs)

Fill in your information on the left and click "Optimize Distribution Strategy" to begin.

Input Parameters

Wage Income

Pension Income

Social Security