FIRE Tax Optimization Calculator
Tax-Efficient Withdrawal
Plan tax-optimal withdrawal sequence
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Formula
Tax = (Ordinary Income × Tax Rate) + (Long-Term Gains × 15% or 0%)
Frequently Asked Questions
What's the best withdrawal order in FIRE?
1) Tax-loss harvest. 2) Standard deduction worth of ordinary income. 3) Long-term capital gains up to bracket limit. 4) Qualified dividends. 5) Roth conversions (if beneficial).
Should I harvest capital gains in FIRE?
Yes! In FIRE with low income, long-term gains may be taxed at 0%. Harvesting up to bracket limits saves taxes. Good 'tax-free' income during low-earning years.
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