Retirement Withdrawal Calculator

💰 Total Retirement Savings ($)

📈 Withdrawal Rate (%)

🔮 Years in Retirement

📈 Expected Inflation (%)

⚠️Please check your inputs

📊 Your Results

📖 How It Works

The Retirement Withdrawal Calculator shows how much you can safely withdraw from savings based on the 4% rule and other rates.

Based on the Trinity Study: withdraw 4% in year one, adjust for inflation. Historically high success for 30-year retirements.

3% is very conservative. 5%+ increases depletion risk. The right rate depends on age, health, and risk tolerance.

Inflation erodes purchasing power. The calculator adjusts to show real (inflation-adjusted) withdrawal amounts.

Early retirement needs 40-50 years of savings, requiring more conservative withdrawal rates. Later retirement allows higher rates.

Understanding safe withdrawal rates is crucial to avoid running out of money in retirement.

Know your sustainable monthly withdrawal to create a realistic retirement budget for all expenses.

Market conditions change. A flexible withdrawal plan helps your savings last longer through down markets.