Tax Optimization Worksheet
Keep More of What You Earn — Model Smart Withdrawals to Minimize Taxes in Retirement.
Tax Optimization Worksheet
The Tax Optimization Worksheet helps you plan smarter withdrawals in retirement by showing how different income combinations impact your annual tax bill. Use it to compare federal tax outcomes, explore Roth vs. Traditional account strategies, and identify the most tax-efficient way to access your savings.
Tax Optimization Worksheet
Model withdrawals to compare federal tax outcomes and identify a tax-smart withdrawal mix. (Estimates use common 2025 federal brackets.)
Disclaimer: This worksheet shows **estimates** using federal brackets and standard deductions for 2025 — it does not include state taxes, Medicare surtaxes, or special rules (RMDs, tax credits, etc.). For action plans, consult a tax professional.
Understanding how your withdrawals are taxed is one of the most overlooked — yet crucial — parts of retirement planning. The Tax Optimization Worksheet gives you a clear picture of how much of your income may go to taxes each year and shows ways to lower that amount through strategic withdrawals.
Whether you’re already retired or preparing to transition soon, this simple, insightful tool helps you see the real impact of using different accounts — Traditional, Roth, or taxable — so you can design a plan that keeps your tax bill low and your income steady.
At RetirementEaseGuide, we make tax planning in retirement simple, transparent, and stress-free — helping you protect your savings, extend your portfolio’s lifespan, and enjoy financial freedom in your golden years.
💡 Use this worksheet as your first step toward building a tax-smart retirement income strategy that maximizes what you keep — not just what you earn.