Tax-smart withdrawal sequencing
Which accounts should a retiree tap, and in what order, to net the cash they need at the lowest tax cost? Fill a target bracket from tax-deferred before it spills into the next one — and leave the Roth to compound.
1 · Make the call
Send the spending need, balances, and a strategy to
/v1/retirement/withdrawal-sequencing. Three strategies are supported:
conventional (taxable → tax-deferred → Roth),
proportional, and bracket_fill (shown here).
curl -X POST https://api.numeratica.com/v1/retirement/withdrawal-sequencing \
-H "Authorization: Bearer nmr_sk_test_xxx" \
-H "Content-Type: application/json" \
-d '{
"tax_year": 2026, "filing_status": "mfj", "age": 70, "birth_year": 1956,
"spending_need": 120000, "other_ordinary_income": 40000,
"tax_deferred_balance": 1200000, "taxable_balance": 400000, "tax_free_balance": 200000,
"taxable_cost_basis_fraction": 0.6, "state_tax_rate": 0,
"strategy": "bracket_fill", "bracket_ceiling": 0.22
}'2 · The response
The per-account withdrawal plan, the tax it triggers, and the after-tax cash it nets — solved so the net exactly meets the spending need.
{
"result_id": "wd_7b79e990cd0e3249",
"engine_version": "withdrawal-1.0.0",
"result": {
"strategy": "bracket_fill",
"withdrawals": { "taxable": 0, "tax_deferred": 141487.18, "tax_free": 0 },
"gross_withdrawal": 141487.18,
"ordinary_income_total": 181487.18,
"incremental_tax": 21487.18,
"total_tax": 22267.18,
"after_tax_cash": 120000,
"marginal_ordinary_rate": 0.22
},
"disclaimer": "Calculation engine output for informational purposes only; not tax or financial advice."
}To net $120,000, bracket_fill pulls $141,487 from the tax-deferred
account — topping ordinary income up to the 22% ceiling — for $22,267 of total tax, and leaves
the $200k Roth untouched to keep compounding. Swap strategy to
conventional or proportional and compare
the total tax to make the case.
3 · Render it
Turn the plan into a card a client can act on.
<div style="font-family:-apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif;max-width:440px;border:1px solid #e6e9ef;border-radius:14px;overflow:hidden;color:#1a2230">
<div style="background:#eff6ff;padding:16px 20px;border-bottom:1px solid #e6e9ef">
<span style="display:inline-block;background:#1d4ed8;color:#fff;font-size:12px;font-weight:700;padding:3px 11px;border-radius:999px;letter-spacing:.04em">WITHDRAWAL PLAN</span>
<div style="color:#5b6675;font-size:13px;margin-top:12px">Pull this year (nets $120,000 after tax)</div>
<div style="font-size:34px;font-weight:700;color:#1d4ed8;line-height:1.1">$141,487</div>
</div>
<div style="padding:8px 20px 14px;font-size:14px">
<div style="display:flex;justify-content:space-between;padding:7px 0;border-bottom:1px solid #f1f3f7"><span style="color:#5b6675">From tax-deferred</span><strong>$141,487</strong></div>
<div style="display:flex;justify-content:space-between;padding:7px 0;border-bottom:1px solid #f1f3f7"><span style="color:#5b6675">From taxable</span><strong>$0</strong></div>
<div style="display:flex;justify-content:space-between;padding:7px 0;border-bottom:1px solid #f1f3f7"><span style="color:#5b6675">From Roth</span><strong>$0 (untouched)</strong></div>
<div style="display:flex;justify-content:space-between;padding:7px 0;border-bottom:1px solid #f1f3f7"><span style="color:#5b6675">Total tax</span><strong>$22,267</strong></div>
<div style="display:flex;justify-content:space-between;padding:7px 0"><span style="color:#5b6675">Marginal rate</span><strong>22%</strong></div>
</div>
<div style="padding:10px 20px;color:#5b6675;font-size:12px;border-top:1px solid #f1f3f7">bracket_fill to 22% · MFJ, age 70 · result_id wd_7b79e990cd0e3249 · not tax advice</div>
</div>