Tax-efficient withdrawal is a common rule of thumb for retirement: spend from taxable accounts first, then tax-deferred, then tax-free.
PortfolioPilot's retirement planner uses it as the recommended Withdrawal order, so your projection and chance of success reflect it. It is a simulation setting, not a withdrawal instruction or tax advice. Free.
An illustrative comparison for a hypothetical plan.
PortfolioPilot tax-efficient withdrawals 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, Tax-efficient withdrawal (Recommended) is the default.
Try the other orders as what-if scenarios.
The order money is drawn.
Brokerage accounts are drawn first.
Traditional IRAs and 401(k)s, with RMDs on schedule.
Roth accounts keep growing longest.
Talk to a tax advisor before you withdraw.
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.
See the Help Center. Read more in the Help Center →
No. It models an order in your plan.
See the Help Center. Read more in the Help Center →
Yes.
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