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Withdrawal calculator

Test how long a retirement nest egg could last when you withdraw a fixed amount each year, allowing for investment returns and inflation.

How it works Report a problem

Withdrawal calculator

Enter your values below and press Calculate to see your result instantly.

Portfolio Exhaustion Point
32 Years
SUSTAINABILITY SCORE
Moderate
TOTAL PAYOUT
$2,450,000
At your current withdrawal rate, the portfolio will be exhausted in 32 years, failing your 40-year horizon.

About the Withdrawal calculator

Test how long a retirement nest egg could last when you withdraw a fixed amount each year, allowing for investment returns and inflation.

How to use the Withdrawal calculator

  1. Enter your Retirement Nest Egg and the Annual Withdrawal.
  2. Enter the Expected Return (%), the Inflation Rate (%) and the Planning Horizon (Yrs).
  3. Press Calculate.

Formula and method

Each year the balance grows by the expected return, the withdrawal (increased by inflation) is subtracted, and the remainder carries forward until the money runs out or the horizon ends.

Tips

  • The 4% rule suggests withdrawing about 4% of the starting balance in year one and adjusting for inflation after that.
  • A poor market early in retirement can shorten the life of the money, so test lower returns.

Frequently asked questions

How much can I safely withdraw?
Many planners use 3 to 4 percent of the starting balance, but the right figure depends on your age, other income and risk tolerance.