Retirement Withdrawal Calculator
Calculate how much you can safely withdraw each month in retirement without running out of money
Your Retirement Information
How much you expect to have saved when you retire
Conservative estimate (4-6% typical)
Historical average ~2.5%
Ready to Calculate?
Enter your retirement information on the left and click "Calculate" to see your safe withdrawal amount.
Disclaimer: This calculator provides estimates based on the information you provide. Actual results may vary due to market volatility, sequence of returns risk, and changing expenses. Consider consulting with a financial advisor for personalized retirement withdrawal strategies.
Understanding Safe Withdrawal Rates
Once you've built up a retirement nest egg, the next question is how much of it you can spend each year without running out. Withdraw too little and you may sacrifice lifestyle unnecessarily; withdraw too much and you risk depleting your savings while you still need them.
This calculator estimates the monthly amount you could withdraw, adjusted for inflation each year, so your balance is drawn down to roughly zero by the end of your expected retirement — giving you a concrete starting point to compare against your actual expenses.
How This Calculator Works
Enter your current age, planned retirement age, life expectancy, expected savings balance at retirement, expected investment return, and expected inflation rate. The calculator solves for the monthly withdrawal that, growing each year with inflation and drawing against your invested balance, would last exactly until your life expectancy — then simulates the balance year by year so you can see the full withdrawal schedule and spot any point where funds might run out early.