Retirement Withdrawal Calculator
Plan your retirement withdrawals. See how long your corpus will last based on annual withdrawal amounts and expected investment returns.
Parameters
Results Summary
This calculator determines the results based on the following standard financial formula for Retirement Withdrawal:
Variables Glossary
- Annual Withdrawal
- Amount withdrawn each year
- Sustainable Years
- Number of years corpus lasts
- Total Withdrawn
- Total amount withdrawn over retirement
- Remaining Corpus
- What's left after the period
Each year, the corpus grows by the expected return rate, then the withdrawal amount is deducted. The corpus lasts until the balance reaches zero.
What is a safe withdrawal rate?
Many financial planners recommend a 3-4% initial withdrawal rate, adjusted for inflation annually. Lower rates increase the probability that your corpus lasts 30+ years.
Can I withdraw more than 4%?
Higher withdrawal rates significantly increase the risk of outliving your savings. For early retirees or those with longer life expectancy, a 3% or lower rate may be more appropriate.