Pension Withdrawal Calculator
Calculate your sustainable pension withdrawal strategy. Understand how withdrawal rate, investment returns, and inflation affect your retirement income sustainability.
Step 1: Retirement Details
Understanding Withdrawal Rate
The 4% rule is a common guideline suggesting you can withdraw 4% of your pension balance annually with a high probability of not outliving your savings over a 30-year retirement.
Step 2: Investment & Inflation
About Investment Returns
Conservative portfolios typically yield 3-4%, balanced portfolios 5-6%, and growth-oriented portfolios 7-8% annually. Your actual returns will vary based on market conditions.
Pension Withdrawal Results
Annual Withdrawal Amount
Withdrawal Strategy Comparison
| Withdrawal Strategy | Annual Income | Success Rate | Balance at 85 | Risk Level |
|---|
Pension Balance Projection
Pension Withdrawal Formula
Annual Withdrawal = Pension Balance × Withdrawal Rate
Your sustainable withdrawal amount depends on your pension balance, expected investment returns, inflation rate, and withdrawal strategy. The 4% rule is a common starting point but should be adjusted based on individual circumstances.
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