Retirement Withdrawal CalculatorSee how many years your retirement savings can safely last
Enter your retirement details
Year-by-year balance
| Year | Withdrawal | Year-end balance |
|---|---|---|
| 1 | 40,000 | 1,008,000 |
| 2 | 40,800 | 1,015,560 |
| 3 | 41,616 | 1,022,641 |
| 4 | 42,448 | 1,029,203 |
| 5 | 43,297 | 1,035,200 |
| 6 | 44,163 | 1,040,589 |
| 7 | 45,046 | 1,045,320 |
| 8 | 45,947 | 1,049,341 |
| 9 | 46,866 | 1,052,598 |
| 10 | 47,804 | 1,055,034 |
| 11 | 48,760 | 1,056,588 |
| 12 | 49,735 | 1,057,196 |
| 13 | 50,730 | 1,056,790 |
| 14 | 51,744 | 1,055,298 |
| 15 | 52,779 | 1,052,644 |
| 16 | 53,835 | 1,048,750 |
| 17 | 54,911 | 1,043,531 |
| 18 | 56,010 | 1,036,897 |
| 19 | 57,130 | 1,028,756 |
| 20 | 58,272 | 1,019,007 |
| 21 | 59,438 | 1,007,548 |
| 22 | 60,627 | 994,267 |
| 23 | 61,839 | 979,049 |
| 24 | 63,076 | 961,772 |
| 25 | 64,337 | 942,306 |
| 26 | 65,624 | 920,516 |
| 27 | 66,937 | 896,259 |
| 28 | 68,275 | 869,382 |
| 29 | 69,641 | 839,728 |
| 30 | 71,034 | 807,129 |
| 31 | 72,454 | 771,409 |
| 32 | 73,904 | 732,380 |
| 33 | 75,382 | 689,849 |
| 34 | 76,889 | 643,607 |
| 35 | 78,427 | 593,439 |
| 36 | 79,996 | 539,116 |
| 37 | 81,595 | 480,396 |
| 38 | 83,227 | 417,027 |
| 39 | 84,892 | 348,742 |
| 40 | 86,590 | 275,260 |
| 41 | 88,322 | 196,285 |
| 42 | 90,088 | 111,507 |
| 43 | 91,890 | 20,598 |
| 44 | 93,728 | 0 |
This uses a simplified model (start-of-year withdrawal, withdrawals adjusted for inflation, balance growing at a fixed return). It ignores taxes, fees and market volatility, and is for educational purposes only — not investment advice.
How long will your retirement savings really last?
Many people work hard to save for retirement but aren't sure how much they can safely spend each year — or how many years the money will last. This retirement withdrawal calculator lets you enter your savings at retirement, your planned annual withdrawal, your expected investment return and inflation, then instantly shows roughly how many years your savings can support you and whether you've reached a "never runs out" safety level.
Understand the 4% rule and withdrawal rate
The most famous rule of thumb in retirement planning is the "4% rule": if you withdraw only about 4% of your retirement assets each year (adjusted for inflation), your money has a high chance of lasting 30+ years. The tool calculates your first-year withdrawal rate and your inflation-adjusted real return, helping you judge whether your plan is conservative or overly optimistic. To dig deeper, see the Wikipedia article on the Trinity study (safe withdrawal rate research).
Adjust the inputs to find your safe withdrawal level
You can repeatedly tweak the withdrawal amount, return and inflation to watch how the year-by-year balance table changes and find a combination you're comfortable with. To also plan the accumulation phase before retirement, pair this with our compound interest calculator, FIRE calculator and CAGR calculator.
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