01
3 ready-made strategies
Conventional, fill-the-bracket, and taxable-first. No one has to write formulas.
Tax-Efficient Withdrawal Sequencing 2026
What does the withdrawal order do to your tax bill?
The order in which you draw from your retirement accounts can drive a large difference in lifetime tax. Compare three strategies over 25 years with your own numbers.
What you get
Tax-Efficient Withdrawal Sequencing 2026
02
2026 US tax rules
Federal brackets, state income tax, standard deduction, and Roth conversion mechanics, with visible rates, sources, and assumptions.
03
25-year calculation
Shows lifetime tax across the full retirement period, not just the first year.
Detail
How the tool is built
Comparison
Lifetime tax per strategy
Three curves side by side, one per strategy. In a sample scenario the gap was $37,000 over 25 years.
Tax brackets
All federal brackets with visible rates
Each bracket with a linked source and the date of the last update. State income tax layered on top.
Year by year
Detailed view per year and per account
Each year shows exactly where the money comes from and what becomes tax. No summarizing.
Sources
Sources and assumptions
Show sources and assumptions
IRS for federal brackets, state tax authorities for state income tax. Source links directly in the Assumptions tab with the last-update date.
Pricing
Three ways to get access
Pick the format that fits. Every option is covered by a 14-day money-back guarantee.
Excel
A single tool
$39 per tool
- Excel + Google Sheets
- Yours forever
- Yearly tax updates included
- 14-day money-back guarantee
Monthly
All 6 tools
$9 per month
- Web app + Excel export
- Continuous updates
- Priority email support
- Cancel anytime
Lifetime
All 6 tools, no renewal
$299 $149 one-time
For the first 100 buyers. After that, $299.
- All 6 tools, no renewal
- Web app + Excel export, permanent access
- Direct email to the founder
- One-time payment
- Break-even after 20 months vs monthly
FAQ
Frequently asked questions
Do I have to write formulas?
No, you fill in marked cells and everything calculates automatically.
What information do I need to have ready?
See the full list on the product page before buying. The basics: age, retirement account balances, expected spending.
Does it work on Mac and Windows?
Yes, plus Google Sheets. We send both versions after purchase.
Where is my data stored?
The Excel version stays on your own computer. We never see your numbers.
Is this financial advice?
No. It is a planning tool. Always consult a licensed advisor before major decisions.
Refunds?
14-day money-back guarantee, no questions asked.