A web app connects to brokerages or lets users manually enter accounts, transactions, contribution history, residency, and cash needs, then simulates tax-safe withdrawal and transfer options. It flags overcontributions, estimates capital gains or income tax, tracks contribution room, generates document checklists, and recommends the lowest-penalty order of accounts to use.

More self-directed investors are using tax-advantaged accounts and global ETFs without understanding country-specific rules. Market volatility, FIRE planning, layoffs, and rising living costs are making account withdrawals and tax optimization more urgent.