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Retirement Withdrawal Calculator
Estimate how much annual retirement income your portfolio may support and whether that level of withdrawals leaves a manageable spending gap.
First-year withdrawal
$40,000
Monthly income
$3,333.33
Annual surplus / gap
$-10,000
Projected balance after 30 years
$1,000,000
How to Use
- Enter the portfolio balance you expect to rely on for retirement withdrawals.
- Choose the withdrawal rate you want to test for first-year retirement income.
- Add your desired annual spending and a long-term return assumption for the portfolio.
- Review the first-year withdrawal amount, estimated monthly income, spending gap, and simplified long-run balance path before comparing scenarios.
Frequently Asked Questions
What is a withdrawal rate?
A withdrawal rate is the percentage of your portfolio you plan to pull out each year to support retirement spending.
What is the 4 percent rule?
It is a common retirement planning rule of thumb suggesting that withdrawing about 4 percent annually has been workable in some historical scenarios, but it is not a guarantee.
Why compare several withdrawal rates?
A small change in the withdrawal rate can materially change both retirement income and the odds that your portfolio lasts, so comparing several scenarios is usually smarter than relying on one number.
Is this a full retirement income plan?
No. It is a simplified planning tool and does not model taxes, inflation adjustments, Social Security timing, required minimum distributions, or sequence-of-returns risk.
Why can the projected balance still grow while withdrawals are happening?
In this simplified model, the balance can still rise if the assumed investment return is higher than the dollar amount being withdrawn.
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