Withdrawal order is the sequence in which a retirement plan draws from taxable, tax-deferred and tax-free accounts.
In the PortfolioPilot planner, choose Tax-efficient withdrawal (Recommended), Proportional withdrawal or Guardrails withdrawal under Withdrawal order, and see the projection and chance of success change. A simulation setting, not a withdrawal instruction. Free.
An illustrative comparison for a hypothetical plan.
PortfolioPilot withdrawal order demo. An illustrative comparison for a hypothetical plan.
The portfolio is hypothetical, and all figures are for demonstrative purposes only. Nothing shown is a recommendation to buy or sell any security.
Three steps from your accounts to the answer.
Open Plan, then Retirement planning. Enter your ages, monthly budget and Social Security, or keep the defaults.
In Taxes & withdrawals, choose a Withdrawal order.
Read the projection and chance of success, or save it as a what-if scenario.
Three settings in Taxes & withdrawals.
The recommended default: taxable, then tax-deferred, then tax-free.
Draws from each account type in proportion to its size.
Cuts or raises spending 10% when markets move a lot.
Required minimum distributions come out of tax-deferred accounts on schedule.
Add your accounts and see it for your own situation.
Get startedShort answers here, with a link to the full help center article where one exists.
For most people, tax-efficient. Read more in the Help Center →
No. It is a setting in the simulation. Talk to a tax advisor before you withdraw.
Yes. All three orders are in the Free plan.
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