🏦 Retirement Withdrawal Calculator

Plan your retirement income strategy and ensure your savings last
📋 Retirement Withdrawal Details
Your current age in years
Age at which you plan to start withdrawals
Age until which withdrawals are planned
Total amount available at retirement
Rate of return during retirement
Expected annual inflation rate
Amount you want to withdraw each year
How often you withdraw

📊 Withdrawal Plan Results

Maximum Safe Withdrawal Amount —
Enter your details to see the withdrawal analysis.
Total Withdrawals Over Retirement —
Remaining Balance at End Age —
Initial Withdrawal Rate —
Years Until Depletion —
Inflation-Adjusted Withdrawal at Age 80 —
Required Savings for Desired Income —
Withdrawal Rate Comparison
Withdrawal Rate Annual Withdrawal Sustainability
Enter details to see comparison

📅 Portfolio Balance Projection

Showing the full year-by-year withdrawal schedule from retirement to end age.
📋

Enter your details and click "Calculate" to see the projection

🧮 Understanding Retirement Withdrawals

Planning retirement withdrawals is crucial to ensure your savings last throughout your retirement years. This calculator helps you determine safe withdrawal rates and understand how different strategies impact your portfolio's longevity.

Balanceₜ₊₁ = Balanceₜ × (1 + r) − Withdrawalₜ

Portfolio Balance Calculation: Where r is annual return rate.

Withdrawalₜ = Initial Withdrawal × (1 + i)ᵗ

Inflation-Adjusted Withdrawals: Where i is inflation rate and t is years since retirement.

📋 Fixed Amount
Same nominal amount each year
Simple but loses purchasing power
📊 Percentage of Portfolio
Fixed % of remaining balance
Fluctuates with market
📈 Inflation-Adjusted
4% rule with inflation adjustments
Most commonly recommended

Common Withdrawal Rate Guidelines:

  • 3% Rate: Very conservative, high probability of portfolio lasting 30+ years
  • 4% Rate: Traditional safe withdrawal rate for 30-year retirement
  • 5% Rate: More aggressive, may require spending flexibility
  • 6%+ Rate: High risk of portfolio depletion, not recommended

Regularly review your withdrawal strategy, portfolio performance, and spending needs to ensure your retirement income remains sustainable throughout your lifetime.

📝 How to Use This Withdrawal Calculator

  1. Select your currency from the dropdown at the top so all figures display in the right format.
  2. Enter your current age, retirement age, and end age — this defines how many years your withdrawals need to last.
  3. Add your portfolio balance at retirement, i.e. the total savings you expect to have available when withdrawals begin.
  4. Enter your expected return rate and inflation rate during retirement.
  5. Enter your annual withdrawal amount and choose a frequency (annual, monthly, or quarterly) to match how you plan to draw down your savings.
  6. Click "Calculate" to instantly see your maximum safe withdrawal, sustainability warning, total withdrawals, and remaining balance.
  7. Review the Withdrawal Rate Comparison table to see how 3%, 4%, 5%, and 6% withdrawal rates compare for sustainability.
  8. Use the Yearly / Monthly toggle above the projection table to switch between an annual summary and a full month-by-month schedule.
  9. Click "Reset" at any time to clear all fields and start a new projection.

❓ Frequently Asked Questions

1. How is the "Maximum Safe Withdrawal Amount" calculated?
It's based on the widely-used 4% rule, which takes 4% of your portfolio balance at retirement. This is a general guideline rather than a personal recommendation, since your ideal rate depends on your actual returns, inflation, and how long your retirement lasts.
2. What does the depletion warning mean?
If the calculator shows your portfolio will be depleted before your end age, it means your current withdrawal amount is projected to outpace your investment growth over time. Consider lowering your withdrawal amount, delaying retirement, or increasing your portfolio balance.
3. Should I choose annual, monthly, or quarterly withdrawal frequency?
Pick whichever matches how you actually plan to draw income — many retirees withdraw monthly to mimic a paycheck, while others prefer annual or quarterly withdrawals. The calculator adjusts the underlying math based on your selected frequency.
4. Why does my withdrawal amount increase every year in the schedule?
Your withdrawal amount is automatically adjusted upward each year by your entered inflation rate, so your purchasing power stays roughly consistent over time rather than losing value to rising prices.
5. What's the difference between the Yearly and Monthly schedule views?
The Yearly view shows your withdrawal and remaining balance once per year for every year of retirement, while the Monthly view breaks the entire schedule down month by month from your retirement age through your end age for a more granular look at how your balance changes.