Retirement Withdrawal Calculator (ADHD-Friendly)
See how much you can spend from retirement savings monthly. Simple withdrawal math for ADHD brains.
You've saved for retirement. Now the question: how much can you actually spend? The classic answer is 4% per year — that's designed to last 30 years. Enter your total savings, see your monthly income. $1 million in savings = roughly $3,333/month at 4%. Is that enough? This calculator makes it concrete. If the number is too low, you know you need to save more or expect less. If it's enough, you can stop worrying and start planning your retirement life.
Calculator
Common use cases
- Getting a concrete monthly income number
- Understanding what your savings actually mean for lifestyle
- Simple retirement math without spreadsheets
- Deciding if you're on track or need to save more
How to use
- Enter your retirement portfolio value
- Set your desired withdrawal rate (4% is traditional)
- Estimate years in retirement
- Input expected investment returns
- See if your plan is sustainable
FAQ
What is the 4% rule?
The 4% rule suggests withdrawing 4% in year one, adjusting for inflation thereafter. It's designed to last 30 years.
Should I adjust withdrawals based on market?
Flexible withdrawal strategies that reduce spending in down markets can improve portfolio longevity.
What about Required Minimum Distributions?
After age 73, traditional IRAs require minimum withdrawals. This calculator shows planned, not mandatory, withdrawals.
Why 4%?
It's a rule of thumb designed to make money last 30 years. More conservative is 3.5%, more aggressive is 5%. Start with 4%.
This calculator provides illustrative estimates for planning purposes only and does not constitute financial, tax, or legal advice.