Retirement Income Tax Planner

Tax-efficient retirement income planning can play a meaningful role in preserving long-term wealth. BlueLine Advisors helps individuals and families evaluate withdrawal strategies across IRAs, Roth accounts, taxable investments, and Social Security. Use this planner to explore the considerations.

Compare three withdrawal strategies

Enter your account balances and income sources to compare three illustrative withdrawal approaches across Traditional, Roth, and taxable accounts. The tool estimates federal income tax using 2026 IRS brackets to illustrate how withdrawal order may affect after-tax income.

📅 2026 federal tax brackets 📊 Three strategies compared 🔒 No sign-up required
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Estimated Tax by Strategy

Estimated federal tax for the year of withdrawal under each approach.

Composition — Bracket-Aware Approach

How estimated annual income may be sourced under the bracket-aware approach.
Traditional Roth Taxable Social Sec. / Pension
Important Assumptions This illustration uses 2026 federal ordinary income tax brackets and standard deductions. Social Security taxability is calculated using current federal provisional-income thresholds ($25,000/$34,000 single; $32,000/$44,000 joint), which are not inflation-adjusted by statute. The tool assumes the standard deduction with no itemization, no qualified-dividend or long-term capital-gains preferential treatment beyond cost-basis recovery on taxable withdrawals, no state or local income tax, no Medicare IRMAA surcharges, no Net Investment Income Tax, no Required Minimum Distributions, and no tax-loss harvesting. Roth withdrawals are assumed qualified and tax-free. Actual outcomes depend on individual circumstances and are subject to change.

Want to understand which approach may be appropriate for you?

This tool provides a general illustration and is not a substitute for personalised tax or financial advice. Withdrawal sequencing interacts with RMDs, Roth conversion opportunities, Medicare IRMAA brackets, estate goals, and other factors not modeled here. A BlueLine Advisors consultation can help review your specific circumstances.

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Important Disclosures

This material is provided by BlueLine Advisors LLC ("BlueLine") for informational and educational purposes only and is not intended as investment, tax, or legal advice. Nothing herein should be construed as a recommendation to buy or sell any security or to adopt any investment strategy. BlueLine Advisors LLC is a registered investment adviser with the U.S. Securities and Exchange Commission. Registration with the SEC does not imply a certain level of skill or training.

All information reflects the views of BlueLine as of the publication date and is subject to change without notice. Forward-looking statements, projections, outlooks, and illustrative examples are not guarantees of future performance and are based on assumptions that may not be realized. Past performance is not indicative of future results. Investing involves risk, including the possible loss of principal. Asset values fluctuate, and investors may receive back less than the amount invested. Diversification does not ensure a profit or protect against loss in declining markets.

Benchmark and index performance is shown for reference only. Indices are unmanaged, are not available for direct investment, and do not reflect the deduction of advisory fees, transaction costs, or other expenses. Any charts, graphs, or tables are for illustrative purposes only and should not be construed as investment advice.

Key assumptions embedded in this tool include: 2026 federal ordinary income tax brackets and standard deductions as published by the IRS; Social Security taxability calculated using current federal provisional income thresholds ($25,000/$34,000 single; $32,000/$44,000 joint), which are not inflation-adjusted by statute; Roth withdrawals assumed to be qualified and tax-free; taxable account withdrawals treated as cost-basis recovery up to basis, with excess treated as ordinary income. This tool does not account for state or local income taxes, Medicare IRMAA surcharges, Net Investment Income Tax, Required Minimum Distributions, itemized deductions, qualified dividends or long-term capital gains preferential rates, tax-loss harvesting, or changes in individual circumstances. Actual tax outcomes will vary. Consult a qualified tax professional before making withdrawal or income decisions.