Retirement Withdrawal Calculator
The central retirement question: how much can you safely take out each year? This calculator shows how long your savings last at your withdrawal rate — and how the classic 4% rule holds up.
How this calculator works
Each year, your balance grows at the assumed return rate, then your withdrawal is subtracted. The calculator runs this cycle year by year until the money runs out (or 70 years, the practical planning horizon). The 4% rule — withdrawing 4% of your starting balance, adjusted for inflation — was designed to make savings last 30 years under historical US market conditions. It is a planning benchmark, not a guarantee.
Frequently asked questions
What is the 4% rule?
From the Trinity Study: withdrawing 4% of your initial portfolio in year one (adjusted for inflation afterward) survived 30 years in nearly all historical US market scenarios. Many planners now use 3–3.5% for longer horizons or higher-risk portfolios.
Should I adjust my withdrawal for inflation?
The 4% rule assumes inflation-adjusted withdrawals. This calculator uses a fixed annual withdrawal in today's dollars, so treat the result as a rough guide — real purchasing power erodes if you keep withdrawals flat.
What return should I assume?
A balanced stock-and-bond portfolio has historically returned about 5–7% after inflation. Use 5% to be conservative; sequence-of-returns risk — a bad market early in retirement — matters far more than the average return.
Disclaimer: Results are estimates for general information only and do not constitute financial, tax, or legal advice. Figures reflect 2026 rules and may change. Always confirm current limits and consult a qualified professional before making decisions. Official figures: IRS.gov · 2026 limits per IRS tax inflation adjustments.