Retirement Withdrawal Calculator
Estimate how long a retirement portfolio could support withdrawals, find the maximum sustainable spending amount, or calculate the portfolio required for a target horizon. All calculations use real, inflation-adjusted returns and update instantly.
Inputs
All calculations use real, inflation-adjusted returns and update instantly.
Inputs
All calculations use real, inflation-adjusted returns and update instantly.
Inputs
Mode
Offsets monthly withdrawals. Leave at 0 if none.
Return assumption mode
Choose manual planning assumptions or a historical market reference.7.0%
Adjust expected annual return for planning scenarios.2.5%
4%
Results
Years lasted vs 30-year target
52 years, 11 months
Annual withdrawal
$48,000
Withdrawal rate
4.80%
Real return
4.39%
Portfolio balance over time
Real values, inflation-adjusted. Dashed line shows safe withdrawal rate boundary.
Milestone table
Key withdrawal checkpoints shown in real, inflation-adjusted values.
Portfolio checkpoints
Read across each year to track remaining balance, cumulative spending, and withdrawal pressure.
| Year | Portfolio value | Cumulative withdrawn | Annual withdrawal (inflation-adjusted) | Effective rate |
|---|---|---|---|---|
| Year 1 | $994,944 | $48,000 | $48,000 | 4.82% |
| Year 5 | $972,401 | $240,000 | $48,000 | 4.94% |
| Year 10 | $938,188 | $480,000 | $48,000 | 5.12% |
| Year 15 | $895,776 | $720,000 | $48,000 | 5.36% |
| Year 20 | $843,200 | $960,000 | $48,000 | 5.69% |
| Year 25 | $778,023 | $1,200,000 | $48,000 | 6.17% |
| Year 30 | $697,227 | $1,440,000 | $48,000 | 6.88% |