The calculator
Taxable ending$0
Deferred ending$365,910
Roth ending$338,635
Total ending$704,546
Order taxable → deferred → roth. Spending was funded every year on these inputs.
Not a tax model
Emptying a tax-deferred account in real life creates taxable income. This page treats the three balances as cash piles with the same growth rate. For Roth conversion sequencing, a tax-aware planner is the right tool. Killion does not model tax.
Assumptions
Withdraw then grow. One growth rate on every bucket. No RMDs, no brackets, no state tax.