Inflation-Adjusted Withdrawal Calculator

Inflation-Adjusted Withdrawal Calculator — Calculate Retirement Withdrawals

Calculate sustainable retirement withdrawals adjusted for inflation. Determine how much you can withdraw annually while maintaining your portfolio’s purchasing power throughout retirement.

Step 1: Portfolio Details

Initial Portfolio Value ($)

Expected Annual Return (%)

6.0%

Expected Inflation Rate (%)

2.5%

Understanding Inflation-Adjusted Withdrawals

Inflation-adjusted withdrawals increase each year to maintain purchasing power. A common strategy is the “4% rule” which suggests withdrawing 4% of your portfolio initially, then adjusting for inflation annually.

Step 2: Withdrawal Parameters

Withdrawal Strategy

Custom Withdrawal Rate (%)

Fixed Annual Withdrawal ($)

Retirement Duration (Years)

30 years

Show year-by-year breakdown

Show portfolio value visualization

About Withdrawal Strategies

The 4% rule is a common retirement withdrawal strategy that aims to make your portfolio last 30 years. More conservative approaches use 3%, while aggressive strategies might use 5% or higher.

Withdrawal Analysis Results

Summary

Year-by-Year

Strategy Comparison

First Year Withdrawal

$40,000

4% of $1,000,000 portfolio

Portfolio Value

$1,000,000

Annual Return

6.0%

Inflation Rate

2.5%

Years Remaining

Year-by-Year Withdrawal Schedule

Year	Withdrawal	Portfolio Value	Inflation Adj.

Withdrawal Strategy Comparison

Strategy	Withdrawal Rate	Year 1 Withdrawal	Portfolio After 30 Years

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