Why Use This Retirement Income Calculator
A successful retirement plan is built on sustainable withdrawals. This retirement withdrawal planner helps you:
- 📊 See Your Runway — know exactly how long your savings will last.
- 💰 Test Different Scenarios — adjust withdrawals, returns, and inflation to see the impact.
- 📉 Compare Strategies — fixed vs inflation‑adjusted withdrawals.
- 🔄 Avoid Running Out — find a sustainable withdrawal rate.
- 📜 Track Your History — save, review, and export past calculations to CSV or Excel.
- 🔒 100% Private — all calculations run locally; your data never leaves your browser.
Retirement Withdrawal Formula Used by This Tool
The simulation works year‑by‑year:
Balance Next Year = (Balance This Year × (1 + Return Rate)) − Withdrawal This Year
Where:
- Return Rate = Expected annual return minus inflation (if withdrawal is inflation‑adjusted)
- Withdrawal = Annual withdrawal amount (fixed or inflation‑adjusted)
The simulation continues until the balance reaches zero or the age exceeds 99.
Sustainable Withdrawal (4% Rule): 4% of the initial retirement savings.
How to Use This Retirement Withdrawal Planner
- Select your account currency from the picker in the site header.
- Enter your current age (or the age you plan to retire).
- Enter your total retirement savings.
- Set your annual withdrawal amount (how much you need each year).
- Enter your expected annual return rate.
- Enter the inflation rate.
- Choose your withdrawal adjustment method (Fixed or Inflation‑Adjusted).
- The tool updates instantly — see how long your funds will last, the sustainable withdrawal amount, and your total withdrawals.
Frequently Asked Questions
How does the retirement withdrawal calculator work?
It simulates your retirement savings over time, accounting for investment returns, withdrawals, and inflation. It shows you exactly how long your funds will last based on your withdrawal rate.
What is the 4% rule?
The 4% rule is a common guideline for retirement withdrawals — withdraw 4% of your portfolio in the first year and adjust for inflation thereafter. It is designed to help your savings last 30 years.
What is the difference between fixed and inflation‑adjusted withdrawals?
Fixed withdrawals keep the same dollar amount each year. Inflation‑adjusted withdrawals increase each year based on the inflation rate, preserving your purchasing power over time.
What is a sustainable withdrawal rate?
A sustainable withdrawal rate allows your savings to last through retirement without running out. This varies based on your expected returns, time horizon, and risk tolerance. This calculator helps you find a sustainable rate.
Is my data stored anywhere?
No. All calculations run locally in your browser. History and presets are saved in your browser’s localStorage — nothing is sent to a server.