Retirement Withdrawal Calculator

Use our free retirement withdrawal calculator to see how long your savings will last. Account for your withdrawal rate, investment returns, and inflation to plan sustainable retirement income.

Financial

Currency

Total Retirement Corpus

Initial Annual Withdrawal

Expected Annual Return in Retirement (%)

Expected Retirement Length (years)

years

Expected Inflation Rate (%)

Formula

Plan your retirement withdrawals with this calculator. See how long your corpus lasts with inflation-adjusted withdrawals, and understand the risk of portfolio depletion based on your withdrawal strategy.

Monthly withdrawals with inflation adjustment vs portfolio growth

Percentage: The percentage value you want to apply

Number: The original number or value

Result: The calculated result

How It Works

1Enter your total retirement corpus and initial annual withdrawal.
2Input expected investment return rate during retirement.
3Set your expected retirement length and inflation rate.
4The calculator simulates monthly withdrawals adjusted for inflation.
5See how many years your savings last and the ending balance.

Examples

$1M corpus, $40k initial withdrawal, 5% return, 30 years, 3% inflation

1.Monthly withdrawal starts at $3,333
2.Withdrawal increases 3% annually for inflation
3.Portfolio earns 5% annually
4.After 30 years: portfolio may last or be depleted

Result: $150,000

Frequently Asked Questions

The 4% rule is a traditional guideline suggesting you can withdraw 4% of your portfolio annually adjusted for inflation and not run out of money for 30 years. Lower rates (3-3.5%) provide more safety.

Inflation erodes purchasing power over time. If you withdraw a fixed dollar amount, your real spending power decreases. Inflation-adjusted withdrawals ensure consistent lifestyle but increase depletion risk.

Sequence of returns risk means early retirement withdrawals during a market downturn significantly reduce portfolio longevity. Consider reducing withdrawals temporarily during poor market years.

Related Calculators

Safe Withdrawal Rate Calculator Retirement Income Calculator Retirement Gap Calculator Retirement Plan Calculator Tip Calculator Discount Calculator

Sustainable Withdrawal Strategies

CalculateMe Team

Last updated: 2026-07-16

How It Works

1Enter your total retirement corpus and initial annual withdrawal.

2Input expected investment return rate during retirement.

3Set your expected retirement length and inflation rate.

4The calculator simulates monthly withdrawals adjusted for inflation.

5See how many years your savings last and the ending balance.

Frequently Asked Questions

Sequence of returns risk means early retirement withdrawals during a market downturn significantly reduce portfolio longevity. Consider reducing withdrawals temporarily during poor market years.

Retirement Withdrawal Calculator

Formula

How It Works

Examples

$1M corpus, $40k initial withdrawal, 5% return, 30 years, 3% inflation

Frequently Asked Questions

What is a sustainable withdrawal rate?

How does inflation affect withdrawals?

What happens if the market performs poorly?

Related Calculators

Related Articles

Retirement Withdrawal Calculator

Formula

How It Works

Examples

$1M corpus, $40k initial withdrawal, 5% return, 30 years, 3% inflation

Frequently Asked Questions

What is a sustainable withdrawal rate?

How does inflation affect withdrawals?

What happens if the market performs poorly?

Related Calculators

Related Articles