Retirement Withdrawal Calculator
Plan retirement withdrawals with the 4% rule. See how long your portfolio will last with projected returns and inflation.
Annual Withdrawal
$40,000.00
Monthly Withdrawal
$3,333.33
Withdrawal Rate
4.00%
Sustainability Estimate
89%
Balance After 30 Years
$2,427,262.47
Portfolio Depleted
Never (within horizon)
Projected Portfolio Balance
| Year 1 | $1,030,000.00 (withdrawal: $40,000.00) |
| Year 5 | $1,159,274.07 (withdrawal: $45,020.35) |
| Year 10 | $1,343,916.38 (withdrawal: $52,190.93) |
| Year 15 | $1,557,967.42 (withdrawal: $60,503.59) |
| Year 20 | $1,806,111.23 (withdrawal: $70,140.24) |
| Year 25 | $2,093,777.93 (withdrawal: $81,311.76) |
| Year 30 | $2,427,262.47 (withdrawal: $94,262.62) |
The 4% Rule
The widely cited 4% rule suggests withdrawing 4% of your portfolio in year one, then adjusting for inflation each year. This historically provided a high probability of lasting 30 years. Your withdrawal rate of 4.00% is at or below this guideline.
Use the Retirement Withdrawal Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
You might also need
401(k) Calculator 2026 — Retirement Savings & Employer Match
Calculate your 401(k) balance at retirement with employer match and growth projections. Compare Roth vs Traditional. Based on 2026 IRS contribution limits.
Roth IRA Calculator 2026 — Growth, Limits & Tax-Free Income
Calculate Roth IRA growth projections and tax-free withdrawals. Compare to Traditional IRA side by side. Free, instant results with 2026 contribution limits.
Roth Conversion Calculator 2026 — Tax Impact & Break-Even
Calculate the tax impact of converting a Traditional IRA to Roth. See your break-even year and multi-year projections. Free, instant results for 2026 rates.