Retirement Withdrawal Calculator
Estimate how withdrawals and investment growth may affect a retirement balance over time.
Enter your details
Your result
Ending balance
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Total withdrawals
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Estimated investment growth
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Estimated depletion
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Enter your assumptions to see a short result summary.
Retirement withdrawal projection
See how estimated investment growth and annual withdrawals may affect the retirement balance over time.
| Year | Starting Balance | Growth | Withdrawal | Annual Change | Ending Balance |
|---|
How it works
- The calculator begins with the retirement balance you enter.
- Estimated investment growth is applied once per year using the annual return assumption.
- The annual withdrawal is then deducted from the balance.
- If the balance reaches zero, the projection stops at the estimated depletion year.
Ending Balance = Starting Balance + Estimated Growth − Withdrawal
Frequently asked questions
Does this calculator guarantee how long retirement savings will last?
No. Investment returns, withdrawals, inflation, taxes, fees, and actual spending can vary significantly.
What happens if the balance reaches zero?
The projection stops and the calculator reports the estimated depletion year.
Is inflation included?
No. The withdrawal amount remains nominally constant unless you manually change it.
Disclaimer
This calculator provides an educational projection only. Actual retirement outcomes may differ because of market returns, inflation, taxes, fees, withdrawal timing, changing expenses, and individual circumstances.