Retirement Drawdown Calculator

For each year it takes your withdrawal first, then grows whatever is left by the expected return. The withdrawal increases by your inflation rate every year. If the balance cannot cover a withdrawal it is emptied, that year is marked as the depletion year, and the projection stops.

It is a guideline that withdrawing about 4 percent of your starting balance in the first year, then adjusting for inflation, has historically lasted roughly 30 years. Set the withdrawal to 4 percent of your balance to test it for your own numbers.

Sustainable means a positive balance survives the full number of years you entered. If the portfolio hits zero before then, the result shows the depletion year instead.

No. It assumes a single steady return every year, before taxes and fees. Real markets vary, and a run of poor early returns can deplete a portfolio faster than a smooth average suggests, so treat the result as a planning estimate.

Yes. The calculation runs entirely in your browser. Your balance, withdrawals and other inputs are never sent to a server or stored anywhere.

Withdrawals and growth compound against each other over decades, so a one or two point change in the return can move the depletion year by many years or flip a plan from depleting to lasting indefinitely.