The order you withdraw matters more than the order you invested.

It's the order you withdraw from your retirement accounts. The wrong order — say, draining a Roth IRA in year 1 just because it's easiest — can cost tens of thousands in unnecessary tax over a 30-year retirement. Tax-aware sequencing fills cheap brackets, defers expensive ones, and preserves tax-free growth where it matters most.

Account types and tax rules vary wildly. The US has Roth IRAs, RMDs at 73, and an 85% Social Security inclusion threshold. The UK gives you 25% of your SIPP tax-free. Brazil's PGBL bottoms out at 10% after 10 years. Portugal taxes investment income at 28% flat but PPR drops to 8% after age 65. A US-focused drawdown calculator is misleading anywhere else.

Yes, and there's no login. The same engine is used by our authenticated chat assistant, but the public version doesn't save your plan — refresh and it's gone. Sign in if you want to save scenarios and compare them side-by-side.

We model the major federal rules per country: progressive income tax, capital gains, Social Security/pension taxation, NIIT and IRMAA in the US, the 25% SIPP rule in the UK, and so on. We don't yet model sub-national variation (Spanish regions, Swiss cantons), the US ACA premium tax credit, or pro-rata rules for backdoor Roths. For most retirees the lifetime tax estimates land within a few percent of professional tools.