The calculators on this page are designed to explore some simple aspects of common questions regarding investing. The calculations are designed to be simple; they are NOT designed to rigorously explore all scenarios and aspects of any given question or problem.
This spreadsheet can be used to model contributions to and withdraws from an IRA, Roth IRA, and non-IRA. You can use this spreadsheet to model how the order of withdraws affects balances (I.E. withdraw from IRA before non-IRA, or vice-versa), as well as to investigate the relative advantages of a Roth IRA vs a traditional IRA given different interest rates, income tax rates, and capital gains tax rates. This spreadsheet does calculate the penalty for early withdraw for any distributions prior to official retirement age.

Any decisions can be significantly complicated by other tax and income issues, as well as changes that could occur to income and capital gains tax rates. (I.E. some IRA contributions reduce AGI, others don't. Complexities like this are NOT accounted for in the spreadsheet.) Be sure and verify any decisions with your financial advisor.