Two savers with identical balances can end up with very different after-tax outcomes, purely because of which accounts the money sits in. These guides cover how each account type is taxed and how to use the mix to your advantage.
Roth or traditional? Brokerage or tax-advantaged? An HSA on top? The account you choose decides when you pay tax and how much control you keep in retirement. The guides below break down how each type works and when each one wins. More on taxable brokerage accounts and HSAs is on the way. When you want to see how a given account mix drains down in a tax-aware order, the calculator models it directly.
Enter your Roth, traditional, and taxable balances and watch RetirFi draw them down in a tax-aware order across a full retirement.
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