DrawDownIQ — Retirement Income, Optimized.

Three buckets. Infinite combinations. One optimal path.

You have savings in accounts taxed differently. The order you withdraw from them each year determines your tax bill. DrawDownIQ finds the optimal sequence — year by year.

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Taxed now

Traditional IRA / 401(k)

Every dollar withdrawn is taxed as ordinary income. RMDs force withdrawals starting at age 73.

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Taxed on gains

Brokerage Account

Only capital gains are taxed, often at preferential rates. Flexible but easy to mistime.

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Never taxed again

Roth IRA

Qualified withdrawals are completely tax-free. A powerful tool — if used at the right moment.

DrawDownIQ models hundreds of withdrawal combinations across all three buckets so the best path is visible — not guessed.

See your scenarios side by side

DrawDownIQ models multiple withdrawal strategies and shows you exactly what each one costs — or saves — in taxes.

✦ Recommended

Tax-aware dynamic withdrawals

Combines RMD timing, strategic Roth conversions, and Social Security optimization for maximum after-tax income each year.

$48,200 / yr

Projected best outcome for your inputs

Conservative

Lower-risk withdrawals

Prioritizes stability with smaller annual draws to extend portfolio longevity at the cost of some tax efficiency.

$41,500 / yr

Lower short-term tax exposure

Higher Tax Risk

Default IRA-first approach

The most common withdrawal pattern — IRA first, Roth last — often leaves thousands in unnecessary taxes on the table.

$36,700 / yr

Projected lower after-tax income

Illustrative example only. Your actual results will vary based on your inputs. Not financial or tax advice. See full disclaimer →

Built around what actually moves your tax bill

Every variable that affects your retirement tax outcome — modeled together.

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Withdrawal Sequencing

See the optimal order to draw from your IRA, Roth, and brokerage accounts each year to minimize bracket exposure.

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Roth Conversion Modeling

Discover whether converting to Roth before RMDs kick in could save you significantly over a 10–20 year horizon.

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Medicare IRMAA Alerts

Know before you withdraw. DrawDownIQ flags income levels that trigger Medicare premium surcharges two years forward.

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Social Security Optimization

Model how your withdrawal timing affects how much of your Social Security benefit gets taxed — up to 85%.

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Year-by-Year Plan

Get a clear, exportable withdrawal roadmap — not a one-time snapshot, but a strategy that adapts each year.

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Secure & Private

Your financial data is encrypted in transit and at rest. We never sell your data to third parties.

For Financial Professionals

Give every client a tax-optimized withdrawal strategy. Automatically.

DrawDownIQ for Professionals runs withdrawal sequencing analysis across your entire client base — modeling account types, tax brackets, RMDs, and Roth conversion windows — in minutes, not hours.

Simple, transparent pricing

Start free. Upgrade when you're ready.

Starter

Individual

$9/mo

For retirees and DIY planners managing their own withdrawal strategy.

Withdrawal sequencing analysis
3 scenarios per session
All 50 state tax rates
PDF export
Email support