WiseCalc

Retirement Withdrawal Calculator

Compare requested and funded retirement withdrawals under constant growth and spending assumptions.

Retirement income planning

Test whether your planned retirement withdrawals look durable.

Use this calculator to estimate how long your savings may last once you start taking income, and how returns plus inflation can change the picture over time.

Shows how inflation increases the income your portfolio must support
Helps you compare your withdrawal rate against the common 4% rule
Useful for stress-testing retirement income before you stop working
$
$0$10,000,000
$
$0$500,000
%
-100%20%
%
-100%20%
%
0%10%
years
0 years50 years
Ending balance
$0.00
Withdrawals requested
$4,511,874.69
Withdrawals funded
$3,802,424.27
Unfunded withdrawals
$709,450.42
4% of starting balance (reference)
$40,000.00
Scheduled annual amount in Year 10
$52,190.93
First zero balance endpoint (years)
45.6667
Initial annual withdrawal rate
4.0000%

Modeled fees: $0.00

Balance and funded withdrawals

Model assumptions

Requested amounts are gross account distributions, not after-tax spending. One-twelfth of the first-year annual amount is requested at each complete month end. The annual amount changes after each complete year; Year 10 uses nine annual changes. Each period applies effective annual return, then fees, then pays at most the available balance. Annual expense ratio / 12 approximates the monthly fee; fractional periods compound its retained factor. A fractional final month accrues growth and fees without requesting a withdrawal. Requests continue after depletion so unpaid amounts stay visible. The first zero balance is a modeled endpoint, not an exact intramonth exhaustion date. -100% return wipes out assets over any positive interval. The 4% reference is multiplication only, not a safe withdrawal guarantee. Constant-return paths omit sequence risk. Taxes, penalties, RMDs, account eligibility and other income are excluded.

Tax and withdrawal eligibility depend on the account and applicable exceptions. This projection calculates balances, not permission to withdraw or tax due.

IRS distribution tax exceptions

Related Guides

Helpful articles and resources related to this calculator.

How to Plan Retirement Withdrawals

Learn how the 4% rule, tax order, and RMD timing shape a sustainable income plan.

Required Minimum Distributions Explained

See when retirement withdrawals become mandatory and how they can affect taxes.

How Much Do I Need to Retire?

Turn your retirement income target into a practical savings benchmark.

Related Calculators

Explore more calculators for similar decisions.

Retirement Savings Calculator

Compare your withdrawal plan against the nest egg you are still building.

Social Security Calculator

Estimate how much guaranteed income could reduce pressure on withdrawals.

Compound Interest Calculator

Test alternative growth assumptions for the years before and during retirement.

How to improve a fragile withdrawal plan

If the projection looks tight, the most useful fixes are usually spending flexibility, guaranteed income, and more conservative assumptions.

Lower fixed spending where possible

Housing, debt, and healthcare decisions often matter more than chasing an extra fraction of investment return.

Delay withdrawals with other income sources

Even a few years of part-time work or delayed Social Security can materially reduce pressure on the portfolio.

Review the plan every year

Withdrawal strategies work best when they are updated after market moves, tax changes, and real spending results.

Estimate your Social Security income too

Model assumptions

Requested amounts are gross account distributions, not after-tax spending. One-twelfth of the first-year annual amount is requested at each complete month end. The annual amount changes after each complete year; Year 10 uses nine annual changes. Each period applies effective annual return, then fees, then pays at most the available balance. Annual expense ratio / 12 approximates the monthly fee; fractional periods compound its retained factor. A fractional final month accrues growth and fees without requesting a withdrawal. Requests continue after depletion so unpaid amounts stay visible. The first zero balance is a modeled endpoint, not an exact intramonth exhaustion date. -100% return wipes out assets over any positive interval. The 4% reference is multiplication only, not a safe withdrawal guarantee. Constant-return paths omit sequence risk. Taxes, penalties, RMDs, account eligibility and other income are excluded.

IRS distribution tax exceptions

Tax and withdrawal eligibility depend on the account and applicable exceptions. This projection calculates balances, not permission to withdraw or tax due.

IRS distribution tax exceptions.

Frequently Asked Questions