Retirement Withdrawal Calculator

How to use this calculator

Enter starting portfolio, first-year withdrawal, annual return assumption, and inflation assumption. The tool simulates up to 40 years and reports remaining balance and depletion risk.

When this calculator is useful

• Testing withdrawal-rate assumptions
• Combining portfolio income with Social Security estimates
• Seeing how inflation changes future withdrawals

Important limitations

Constant returns hide sequence-of-returns risk. Taxes, fees, asset allocation, healthcare costs, and market volatility can materially change outcomes.

For best results, run at least three cases: a conservative case, a middle case, and a stretch case. If a small change in inputs creates a big change in the answer, that is a sign the decision may be sensitive to rates, fees, timing, or market performance.