Free Retirement & Investing Tool

Retirement Withdrawal Calculator

Q: Does this calculate required minimum distributions?

No. RMDs require IRS life-expectancy factors and account-specific rules.

Q: What is sequence-of-returns risk?

It is the risk that poor returns early in retirement cause more damage when withdrawals are also occurring. A constant-return model cannot show it.

Q: Does this include Social Security or a pension?

No. Only the entered portfolio and withdrawals are modeled.

Q: Are calculator results financial advice?

No. Results are educational estimates and do not replace personalized financial, investment, tax, legal or insurance advice.

Q: Do results clear after I edit an input?

Yes. A displayed result is hidden as soon as an input changes so an old answer is not mistaken for a current calculation.

Q: Can I use the calculator on a phone?

Yes. The page and result panel are responsive for phones, tablets and desktop screens.

Estimate whether a portfolio remains above zero while annual withdrawals rise with inflation. The model highlights depletion timing but cannot represent market-return sequence.

✓ No sign-up✓ Clear formula✓ Strict input checks✓ Mobile friendly

Calculator

Enter your assumptions

Complete every field. The calculator starts blank so the result reflects only the values you choose.

What is the Retirement Withdrawal Calculator?

Estimate whether a portfolio remains above zero while annual withdrawals rise with inflation. The model highlights depletion timing but cannot represent market-return sequence.

The model grows the portfolio once per year, subtracts that year’s withdrawal and then increases the next withdrawal by inflation.

Affiliate disclosure: As an Amazon Associate I earn from qualifying purchases.

For optional supporting equipment or reference material, you can browse Financial calculators (paid link) on Amazon.com. An optional separate device for checking financial arithmetic. Confirm it supports the functions you need; it does not replace current records or professional advice. No purchase is required to use this calculator.

Formula and calculation method

Each year: ending balance = opening balance × (1 + return) − inflation-adjusted withdrawal.

The result uses only the values entered on this page. It does not fetch account balances, market prices, tax returns or provider quotes.

Important limitations

Financial projections simplify real life. Returns can vary, laws and limits can change, inflation is uncertain, and taxes or fees may apply. Review the result as a scenario—not a promise.

Financial scope: Educational estimates only; not financial, investment, tax, legal or insurance advice.