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Retirement Withdrawal Calculator

See how long your nest egg will last at different withdrawal rates.

Portfolio value

Total retirement savings

Annual withdrawal

How much you need per year

Current age

years old

Withdrawal strategy

Expected annual return

Conservative: 5-6%

Expected inflation

Historical average: 2-3%

Withdrawal Rates

Your withdrawal rate is the percentage of your portfolio you take out each year. The famous "4% rule" suggests that withdrawing 4% initially (adjusted for inflation) has historically allowed portfolios to last 30+ years. But individual circumstances vary.

Rate Guidelines

Under 3.5% Very Conservative

3.5% - 4% Conservative

4% - 5% Moderate

5% - 6% Aggressive

Over 6% High Risk

How to Use

1. Enter your total retirement portfolio value
2. Enter how much you need to withdraw annually
3. Set expected investment returns and inflation
4. See how long your portfolio will last

FAQ

Is the 4% rule still valid?

The 4% rule was based on historical US data. With lower expected returns today, some advisors suggest 3-3.5%. It's a starting point, not a guarantee.

Should I adjust for inflation?

Yes. If you take a fixed dollar amount, your purchasing power decreases over time. Inflation-adjusted withdrawals maintain your lifestyle but draw more from the portfolio.

What about sequence of returns risk?

Bad returns early in retirement are more damaging than later. This calculator shows averages—actual results will vary. Keeping cash reserves helps buffer early downturns.

Calculator Limitations

• Uses fixed returns (no sequence risk modeling)
• Does not include Social Security or pensions
• Does not account for taxes on withdrawals
• Does not model healthcare cost increases
• For educational purposes only

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Match your portfolio to your withdrawal needs