Retirement Withdrawal Calculator
Calculate safe retirement withdrawal rates and income. Plan how much you can withdraw from savings without running out of money.
Determining how much to withdraw from retirement savings is crucial for ensuring your money lasts. This calculator helps you plan sustainable withdrawal rates based on your portfolio and life expectancy.
Calculator
Common use cases
- Retirement income planning
- Determining safe withdrawal rate
- Adjusting retirement lifestyle
- Estate planning
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.
This calculator provides illustrative estimates for planning purposes only and does not constitute financial, tax, or legal advice.