Total nest egg
$0
Your drawdown snapshot
See balances, the suggested order, and what to do next.
Taxable
$0
Tax-deferred
$0
Roth
$0
Accounts 0
Planned draws 0
RMD watch 0
Suggested withdrawal order
Add accounts to see a personalized order. Classic rule of thumb: taxable → tax-deferred → Roth (with RMD exceptions).
This year’s spending need
Target spending
$0
Other income
$0
Gap to fill
$0
Planned this year
$0
Action items
Nothing urgent. You’re in good shape — review your plan anytime.
Tips for your situation
Try it with sample data
Load a realistic retirement household (accounts + a starter plan) so you can explore. You can remove sample items anytime without losing your own data.
Retirement accounts
Track taxable, tax-deferred, and Roth balances in one place.
No accounts yet. Tap “+ Add account” to start, or load sample data from Home.
Withdrawal plan
Plan which account to draw from and when. Mark draws done as you take them.
Planned total
$0
Already taken
$0
No withdrawals planned. Add one, or use “Suggest this year’s draws” after you set accounts and a spending target.
Tax strategy insights
Simple guidance based on your balances, age, and plan — not personalized tax advice.
Account mix
Add account balances to see your mix.
Why the suggested order
Required Minimum Distributions (RMDs)
For most people born 1951–1959, RMDs start at age 73. Born 1960 or later: age 75. Roth IRAs have no owner RMDs; Roth 401(k)s may still require them unless rolled to a Roth IRA.
No tax-deferred accounts, or your age is under RMD age in Tools → Profile.
This year’s plan impact
Ideas to lower lifetime taxes
Educational only. Tax rules change and your situation is unique. Confirm strategies with a tax professional or fiduciary advisor before acting.
Tools & profile
Set your age and spending need, back up data, or start fresh.
Your profile
Backup & restore
Download a JSON copy of everything on this device, or restore from a previous backup.
Reset
Permanently erase all accounts, withdrawals, and profile data on this device.
About this app
Drawdown Planner helps you organize retirement accounts and plan a tax-aware withdrawal sequence. All data stays in your browser’s local storage. Nothing is uploaded.
This is planning software, not tax, legal, or investment advice. Rules for RMDs, IRMAA, and capital gains can change. Verify numbers with a qualified professional.