Withdrawal Calculator
How long will your retirement savings last? Model monthly withdrawals, visualise your portfolio's decline, and identify your safe withdrawal rate.
Calculator Inputs
Lasts Through
30 yrs ✓
Full period covered
Final Balance
$1.00M
Remaining at end
Total Withdrawn
$720.0K
Cash taken out
Starting Balance
$500.0K
Initial investment
Portfolio Balance Over Time
✓ Your savings last the full 30 years
✅ Great news! At $2.0K/month with a 6% return, your $500.0K lasts the full 30 years, leaving $1.00M remaining.
For educational purposes only. Past market performance does not guarantee future results. Full disclaimer →
Frequently Asked Questions
What is the 4% rule? +
The 4% rule (also called the Bengen rule) states that you can withdraw 4% of your portfolio in the first year of retirement, then adjust for inflation annually, with a high likelihood of your money lasting 30+ years. Based on historical market data, a 4% withdrawal rate has historically survived nearly all 30-year retirement periods.
What is a systematic withdrawal plan? +
A systematic withdrawal plan (SWP) is a strategy where you withdraw a fixed amount from your investment portfolio at regular intervals — typically monthly. Unlike selling everything at once, your remaining balance continues to grow through investment returns, potentially extending how long your savings last.
What return rate should I use for retirement planning? +
A conservative, inflation-adjusted return of 4–6% is commonly used for retirement projections. Retirees typically hold a more balanced portfolio (stocks + bonds) than during accumulation, which tends to reduce both returns and volatility. More aggressive projections might use 6–8% for nominal returns.
What happens if the calculator shows my money runs out? +
If the calculator shows depletion before your time period ends, consider: (1) reducing monthly withdrawals, (2) increasing your starting balance by working longer, (3) targeting a higher investment return, or (4) planning for supplemental income like Social Security or part-time work in early retirement.
💡 Tip: Use the Coast FIRE Calculator first to plan your accumulation phase, then come back here to model how long your money will last in retirement. Try the Coast FIRE Calculator →