Retirement Withdrawal Calculator
Calculate sustainable withdrawal amounts and determine how long your retirement savings will last
Retirement Withdrawal Calculator
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Basic Settings
Same dollar amount each period, not adjusted for inflation
Advanced Settings
Results
Withdrawal Strategy Analysis
Recommendations
• Consider the 4% rule as a starting point for retirement withdrawals
• Adjust your withdrawal strategy based on market conditions
• Review and rebalance your portfolio regularly
Withdrawal Strategies
4% Rule
Withdraw 4% first year, adjust for inflation
Fixed Dollar
Same amount each period
Fixed Percentage
Fixed % of current balance
Systematic
Withdraw only earnings
Withdrawal Tips
Start with the 4% rule as a baseline
Adjust withdrawals based on market performance
Consider tax implications of different accounts
Plan for healthcare and unexpected expenses
Review your strategy annually
Understanding Retirement Withdrawal Strategies
The 4% Rule
The 4% rule suggests withdrawing 4% of your retirement portfolio in the first year, then adjusting that amount annually for inflation. This strategy aims to make your money last 30 years with a high probability of success.
Fixed Dollar vs. Percentage
- •Fixed Dollar: Predictable income but may not keep up with inflation
- •Fixed Percentage: Adjusts with portfolio performance but variable income
- •Systematic: Preserves principal but requires large initial balance
Key Considerations
Sustainable Withdrawal Rate Formula:
SWR = r × PV / [1 - (1 + r)^(-n)]
- r: Real interest rate (nominal - inflation)
- PV: Present value (current balance)
- n: Number of periods
Tip: Consider sequence of returns risk - poor market performance early in retirement can significantly impact portfolio longevity.