Retirement Withdrawal Calculator
Find the right withdrawal strategy so your savings last throughout retirement. Compare fixed, percentage, guardrails, and RMD-based approaches side by side.
Personal Details
Withdrawal Strategy
Investment Returns
Other Retirement Income
Withdrawal Sustainability Score
Your withdrawal plan is highly sustainable. Your savings should last well through retirement.
Max Safe Rate
5.8%
Money Lasts
30+ years
First Year Withdrawal
$30,000
4% of balance
Max Safe Withdrawal Rate
5.8%
$43,500/year
Total Withdrawn
$1,348,708
over 30 years
Income Floor
$24,000
SS + pension + other
Required Minimum Distributions start at age 73
Your estimated first RMD is $31,576/year from your Traditional accounts (70% of savings). RMDs increase each year as the divisor shrinks — plan your withdrawal strategy around them.
Portfolio Balance Over Time
Fixed Dollar strategy — savings balance through retirement
Annual Withdrawals Over Time
How your withdrawal amount changes each year
Strategy Comparison
How each withdrawal strategy affects your portfolio balance
Strategy Side-by-Side
Key metrics for each withdrawal approach
Fixed Dollar
% of Balance
Guardrails
RMD-Based
Retirement Income Composition
Where your retirement income comes from
Total
$68,957
Savings Withdrawals
65%$44,957/yr
Social Security
35%$24,000/yr
Inflation-Adjusted Income
Your total income in today's dollars over time
Year-by-Year Withdrawal Schedule
Detailed breakdown of withdrawals, income, and balance
| Age | Balance | Withdrawal | Rate | Other Income | Growth | End Balance |
|---|---|---|---|---|---|---|
| 65 | $750,000 | $30,000 | 4% | $0 | $43,200 | $763,200 |
| 68 | $789,571 | $32,307 | 4.1% | $24,000 | $45,436 | $802,700 |
| 71 | $828,728 | $34,791 | 4.2% | $24,000 | $47,636 | $841,573 |
| 74 | $866,778 | $37,466 | 4.3% | $24,000 | $49,759 | $879,071 |
| 77 | $902,851 | $40,347 | 4.5% | $24,000 | $51,750 | $914,254 |
| 80 | $935,857 | $43,449 | 4.6% | $24,000 | $53,544 | $945,952 |
| 83 | $964,445 | $46,790 | 4.9% | $24,000 | $55,059 | $972,714 |
| 86 | $986,946 | $50,387 | 5.1% | $24,000 | $56,194 | $992,753 |
| 89 | $1,001,311 | $54,335 | 5.4% | $24,000 | $56,819 | $1,003,795 |
| 92 | $998,437 | $64,714 | 6.5% | $24,000 | $56,023 | $989,747 |
| 94 | $976,420 | $71,947 | 7.4% | $24,000 | $54,268 | $958,742 |
Personalized Insights
Actionable recommendations based on your numbers
Your withdrawal plan is sustainable
Using the Fixed Dollar strategy, your savings last 30+ years with an ending balance of $958,742. You have a solid margin of safety.
Below the maximum safe rate of 5.8%
Your effective withdrawal rate of 4% is safely below the 5.8% maximum. You have room for unexpected expenses.
Consider the RMD-Based strategy
The RMD-Based approach would give you $1,513,175 in total withdrawals while never depleting your savings. Compare with your current Fixed Dollar strategy ($1,348,708 total).
High withdrawal variability: $30,000 to $71,947
Your withdrawal amounts vary by 93%. If you need predictable income, consider the Fixed Dollar strategy which provides inflation-adjusted consistency.
RMDs start at age 73: ~$31,576/year
Required Minimum Distributions from your Traditional accounts (70% of savings) will require withdrawals of at least $31,576/year (4% of total savings). RMDs increase each year. Consider Roth conversions before 73 to reduce future RMDs.
$24,000/year income floor from guaranteed sources
Social Security, pension, and other income cover 44% of your retirement income. This guaranteed floor reduces the burden on your savings and provides a safety net.
2-year gap before Social Security starts
You'll need to withdraw more from savings between ages 65 and 67 before $24,000/year in Social Security kicks in. Budget ~$48,000 extra from savings during this period.
Keep $30,000 as an emergency buffer
12 months of expenses in cash or short-term bonds protects you from selling investments during market downturns. This is separate from your invested portfolio.
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