Retirement Withdrawal Calculator
See whether your nest egg lasts through retirement at your planned spend rate — with year-by-year balance and the year it runs out (if it does).
Balance over time
Methodology & how to use this
How this works
Each year, the balance grows at your expected return, then your spending is withdrawn at the end of the year. Next year's spend is scaled up by the inflation rate — matching the way the 4% rule is meant to be applied.
The 4% rule
The 4% "safe withdrawal rate" comes from the Trinity Study: withdraw 4% of your starting portfolio in year one, then adjust for inflation. Historically that survived ~30 years in the vast majority of scenarios — but it is a rule of thumb built on US market history, not a guarantee.
Keep running the numbers
Related calculators worth pairing with this one.
Retirement Savings Calculator
Project your nest egg and your sustainable annual income at retirement.
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After-tax value both ways — which wins for your tax situation, and by how much.
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Inflation Calculator
Purchasing power over time — both directions, past and future.
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