Retirement Withdrawal Calculator

Your details

Switch between solving for the safe withdrawal amount or for how many years your savings will cover.
Total portfolio value on the day you retire, before any withdrawals.
Expected average yearly return on your portfolio during retirement (before inflation). Balanced portfolios have historically returned 5-7%.
%
Expected average annual inflation. The US Federal Reserve targets 2%. The calculator uses the real (inflation-adjusted) return internally.
%
How many years you need your savings to last. A 65-year-old planning to age 90 would enter 25.
years
Monthly income from Social Security, pensions, annuities, or part-time work. This reduces how much you need to draw from savings.
Optional: enter your expected monthly spending to see how the withdrawal covers your costs.
Currency
Safe monthly withdrawalHigh depletion risk
$2,466

Maximum monthly withdrawal to last the full retirement period (inflation-adjusted)

Annual withdrawal$29,596
Withdrawal rate5.92%
Total withdrawn (nominal)$739,906
Total real return earned$239,906
5.92% %
Very conservative<3%4% rule zone3%-4%Moderate risk4%-5%High depletion risk5%+
Total withdrawn$739,906
Investment gains$239,906

You can safely withdraw $2,466 per month from a $500,000 nest egg.

  • Your withdrawal rate of 5.92% is higher than most financial planners recommend. Consider whether additional income sources, a smaller nest egg withdrawal, or longer accumulation can bring this below 5%.
  • With a 6% return and 2.5% inflation, your real (inflation-adjusted) return is approximately 3.41% per year. This is what keeps your purchasing power stable over time.

Next stepEnter your monthly expenses to see whether the withdrawal covers your cost of living.

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