Withdrawal tax modeling, licensed to advisory firms.
DrawDownIQ is a single-tax-year modeling tool. It takes account balances, ages and a spending need, applies one year of federal tax rules, and shows what different withdrawal mixes do to taxable income under those rules.
It is a calculator, not an adviser. It does not choose a strategy, rank strategies against each other, or tell anyone what to do. The professional using it does that.
14 days of full access for registered investment advisory firms and licensed CPA firms. No payment method is required and nothing is billed unless your firm subscribes.
Who it is licensed to
DrawDownIQ is licensed to registered investment advisory firms, at firm level, for use by their supervised persons in their own registered capacity. Firm eligibility is verified against the firm's CRD number on the Investment Adviser Public Disclosure system within one business day of signup, and access is withdrawn if it cannot be confirmed.
It is also licensed to licensed CPA firms, for use by their CPAs and professional staff solely in the ordinary course of the firm's tax and accounting practice, for its own clients. The firm's licence is verified with the state Board of Accountancy within one business day of signup. For CPA firms the licence is a software licence only: Index Gurus, Inc. is an investment adviser registered with the California DFPI, not an accounting firm; it does not prepare returns or provide tax advice; the CPA's professional judgment governs any use of the output; and the licence does not authorise anyone to provide investment advice.
It is not sold to individuals, and it is not available to the public. If you are managing your own retirement withdrawals, this software is not for you — speak with your own adviser or tax professional.
How it works
Enter the client's figures
Balances by account type (pre-tax, Roth, taxable brokerage with basis), ages, Social Security and other income, and the year's spending need.
Compare three withdrawal mixes
Each mix is shown side by side with its taxable income, federal tax and Medicare-surcharge flag for the year, and every line has a calculation detail you can open and check.
Export a client-ready illustration
A PDF carrying your firm's name, logo and your own disclosure text, with the inputs and assumptions printed alongside the figures.
Client records and saved scenarios live in your firm's workspace and are visible only to your firm's accounts.
See it on a hypothetical household
Change any figure below. The three withdrawal mixes are recalculated in your browser from one year of 2026 federal rules — the same arithmetic the workspace uses. Nothing is saved or sent anywhere.
| Withdrawal mix | IRA | Roth | Brokerage | Taxable income | Marginal bracket | Est. federal tax | Effective rate | Medicare threshold |
|---|
Three mixes, three figures, one year. The tool does not choose between them; the professional does. Federal tax only — no state tax; the Medicare column flags a surcharge threshold and does not add the surcharge. See the limitations below.
The firm evaluation
An evaluation gives your firm the full workspace for 14 days: unlimited client records, saved scenarios and PDF export. No payment method is collected. At the end of the 14 days the account simply stops until your firm chooses to subscribe; nothing is charged automatically.
At signup we ask for the firm's name, its CRD number (advisory firms) or state CPA licence (CPA firms), and a certification that you are one of its professionals acting for the firm. We check the licence with the regulator within one business day. If it cannot be confirmed, access is withdrawn.
Licensing
$49 per adviser account, per month
or $490 per year (two months' equivalent saved)
- Unlimited client records and saved scenarios
- Firm-branded PDF export with your disclosure text
- Cancel any time from the billing portal; no minimum term
Several advisers, or a firm-wide licence?
Write to hello@drawdowniq.ai with your firm's CRD number or CPA licence and the number of seats you need.
A subscription is a software licence between two firms. It is not an investment advisory agreement and creates no advisory relationship.
What the model does
- Applies one tax year of federal rules: ordinary brackets, the standard deduction and age-65 addition, the OBBBA senior deduction and its phase-out, long-term capital gain stacking, the net investment income tax, and Social Security taxability under the Publication 915 provisional-income formula.
- Applies the Uniform Lifetime Table to required minimum distributions.
- Uses average cost basis for brokerage sales.
- Flags when an income threshold that carries a Medicare surcharge may be crossed.
What it does not do
- It does not model state or local income tax, for any state.
- It does not project forward. It models a single tax year and assumes nothing about future returns, inflation or life expectancy.
- It does not model Roth conversions, multi-year sequencing or carryovers.
- It does not model itemized deductions, tax credits, the alternative minimum tax, self-employment or payroll tax, pension exclusion ratios, or penalty taxes.
- It does not calculate the Medicare surcharge into the tax figure. It flags the threshold only.
About this software
DrawDownIQ cannot determine which securities to buy or sell, or when to buy or sell them. Nothing it produces is a recommendation, a prediction, or investment, tax or legal advice.
Its limitations
Every output is an illustration built from the figures entered and one year of federal tax rules. Actual tax will differ, and may differ materially. The exclusions listed above are real and are not edge cases — state income tax alone can change the answer. An illustration produced under one year's rules can be wrong under the next.
The difficulties of using it
The output is only as reliable as the figures entered. Reading it correctly requires understanding marginal rates, capital-gain stacking, deduction phase-outs and income thresholds with cliff effects. And a single year is not the decision — the sequence with the lowest tax this year can be the most expensive across a retirement, and this software will not show that.
Enquiries
Registered investment advisory firms can reach us at hello@drawdowniq.ai. Compliance correspondence: compliance@indexgurus.com.