Withdrawal Calculator
Calculate sustainable withdrawal amounts from your retirement savings or investments. Estimate how long your money will last based on withdrawal rate, returns, and inflation.
Step 1: Portfolio Details
4% Rule Guidance
The 4% rule suggests you can withdraw 4% of your portfolio annually, adjusted for inflation, with a high probability of not running out of money over 30 years. However, this depends on your investment returns and inflation.
Step 2: Investment & Inflation
About Withdrawal Strategies
Conservative withdrawal rates (3-4%) with diversified investments provide better longevity for your portfolio. Consider adjusting withdrawals based on market performance and personal circumstances.
Withdrawal Analysis Results
Portfolio Longevity
Year-by-Year Portfolio Projection
| Year | Starting Balance | Withdrawal | Investment Return | Ending Balance |
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Withdrawal Strategy Comparison
| Withdrawal Strategy | Withdrawal Rate | Portfolio Longevity | Ending Balance | Risk Level |
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Withdrawal Formula
Portfolio Longevity Calculation
This calculator uses Monte Carlo simulation principles to estimate portfolio longevity. It considers annual withdrawals, investment returns, and inflation to project how long your savings will last under different market conditions.
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