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Retirement Withdrawal Calculator

See how long your retirement savings will last at your planned withdrawals, how much you can safely take out each year, and how your balance changes year by year with returns and inflation.

100% Private Balance chart 4% rule check

Your Plan

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Withdrawals are taken at the start of each year; the rest grows at the expected return.
Your savings will last
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Sustainable withdrawal
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Initial withdrawal rate
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4% rule: —
Monthly income
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first year
Balance after 30 years
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Total withdrawn
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Balance over time

Year by year

YearStart balanceWithdrawalGrowthEnd balance

How long will my retirement savings last?

Each year you take out your withdrawal, and whatever is left keeps earning a return. If your withdrawals rise with inflation, they grow every year too. The calculator repeats this year by year until the money runs out or your planning period ends:

Withdrawal in year k = first withdrawal × (1 + inflation)k
End balance = (start balance − withdrawal) × (1 + return)

The sustainable withdrawal

The “sustainable withdrawal” is the first-year amount that, rising with inflation, uses up your savings exactly at the end of the number of years you choose. It comes from the present value of a growing annuity:

W = Savings × (r − g) ÷ [(1 + r) × (1 − ((1 + g) ÷ (1 + r))N)]
r = return, g = inflation, N = years

The 4% rule

A widely quoted guideline from US research in the 1990s: withdrawing 4% of your savings in the first year, then increasing the amount with inflation, has historically lasted at least 30 years for a balanced stock-and-bond portfolio. It is a starting point, not a guarantee — returns vary, and early losses hurt most.

Frequently Asked Questions

Enter your savings, expected return, inflation and how many years the money must last. The “sustainable withdrawal” box shows the first-year amount that lasts exactly that long when increased with inflation.

Use a conservative figure. Many planners use 4–6% a year for a balanced portfolio before inflation, and lower for mostly bonds or cash. Try a few rates to see how sensitive your plan is.

At 3% inflation, prices roughly double in 24 years, so a withdrawal that keeps your living standard has to double too. Untick “Increase withdrawals with inflation” to see a flat withdrawal instead.

It is a reasonable rule of thumb for a 30-year retirement, but not a guarantee. Retiring early (40+ years), low future returns or a large market fall early in retirement may call for a lower rate, such as 3–3.5%.

No. Use the after-tax amount you need from savings, and subtract any pension or social security income from your spending first.

Uses a constant return every year, so real results will differ. For planning only — not financial advice.

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