Pension Withdrawal Order Optimizer

Compare retirement withdrawal order assumptions by tax drag, fees, return, and stress-case value.

Korea-related planning note

This English page is a planning estimate. If the topic involves Korean taxes, pensions, insurance, loans, or public programs, confirm the current Korean rules, limits, and eligibility before acting.

Scenario inputs

Adjust the assumptions to compare gross value, cost drag, tax drag, and downside value.

Net ending value

$644,275

Gross value before drag

$696,895

Estimated tax

$18,253

Fee and tax drag

$52,620

Total contributions

$480,000

Net gain

$164,275

34.2%

Downside value

$528,306

Scenario readout

Compare net value against alternatives

This is a planning model. It compounds a simplified return, subtracts annual cost drag, and estimates tax only on positive gains.

Related calculators

Withdrawal order changes taxes

Different buckets can have different tax treatment. Drawing from the wrong bucket first can reduce after-tax retirement value.

Sequence risk matters

A market decline early in retirement can make withdrawal order more important because losses occur while assets are being drawn down.