Retirement Withdrawal Calculator

Retirement drawdown · inflation · portfolio longevity
The model grows the portfolio by the assumed return, then takes the annual withdrawal and increases next year’s withdrawal for inflation. It is a scenario, not a forecast.

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Using a withdrawal projection responsibly

A retirement plan needs a margin for poor market returns, health costs, taxes, changing spending and a longer lifespan. The first-year withdrawal rate is only one starting point. Test lower returns, higher inflation and a longer period rather than relying on one optimistic scenario.

Planning tool only: this calculation does not account for taxes, sequence-of-returns risk, annuity income, pensions or asset allocation. A qualified financial professional can help tailor a full retirement plan.

Frequently asked questions