You have spent years saving for retirement. Now the big question: how long will your money last? Model different withdrawal rates, returns, and inflation scenarios to find a sustainable income plan.
Start CalculatingAdjust the inputs and watch your retirement projection update instantly.
Watch how your portfolio changes as you draw down in retirement.
See exactly how your savings are drawn down each year.
| Year | Annual Withdrawal | Cumulative Withdrawn | Remaining Balance |
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Key concepts that shape how long your money lasts.
A widely cited guideline suggests withdrawing 4% of your portfolio in the first year, then adjusting for inflation each year after. Historically, this approach has sustained a portfolio for at least 30 years in most market conditions.
In retirement, the order of market returns matters just as much as the average. A major downturn early in retirement forces you to sell more shares at lower prices, permanently reducing your portfolio’s ability to recover.
What costs $3,000 per month today could cost over $4,000 in just 10 years at 3% inflation. This calculator automatically increases your withdrawals each year to maintain the same purchasing power throughout retirement.
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