Retirement Withdrawal Calculator

Our Retirement Withdrawal Calculator estimates how much you can safely withdraw from your savings each year without running out of money. Enter your nest egg, expected lifespan, withdrawal rate, and growth assumptions, and it calculates a sustainable amount.

You’ll need your current retirement savings, expected annual investment return, inflation rate, years in retirement (or age you expect to live to), and desired withdrawal rate (e.g., 4%). Optional inputs like additional income (e.g., Social Security) can refine it.

It’s based on models like the 4% rule or Monte Carlo simulations, but it’s an estimate. Actual market performance, unexpected expenses, or changes in inflation could affect results. Use it as a planning tool, not a guarantee.

Yes, you can test fixed percentages (e.g., 4%), variable withdrawals based on market returns, or custom amounts. Some versions may also simulate strategies like withdrawing only interest or principal over time.

Some versions let you input additional income (e.g., pensions, Social Security) or estimate taxes on withdrawals. If not included, you’ll need to adjust your withdrawal amount manually to account for taxes or other income sources.