Withdrawal order
Last updated November 3, 2026
The tool ranks four named orders for drawing down your accounts, by the sustainable monthly income each one produces.
The default order is cash, then taxable, then traditional, then Roth, then HSA. The other three are Roth last, traditional first and taxable first. Each is a fixed rule, applied every year of the plan.
The order matters because the accounts are taxed differently. A withdrawal from a traditional account counts as ordinary income, and a Roth withdrawal doesn't. Moving the same spending between them changes the tax bill for your whole retirement, not one year alone.
529 balances are left out. That money is for education, and it never enters the withdrawal order.
MangoDime doesn't work out the lowest-tax way to withdraw. It ranks four fixed withdrawal orders against your plan.