Retirement Withdrawal Calculator

See the level amount you can withdraw each year so your savings last a set number of years at a given return.

Your details

Retirement savings$Annual return%Years in retirement

Sustainable annual withdrawal

$65,051.44

Monthly: $5,420.95
Total over horizon: $1,951,543.05

Sustainable annual withdrawal$65,051.44

Formula

Withdrawal = nest egg × r ÷ (1 − (1 + r)^−n), the annuity payment that exhausts the balance over n years.

Frequently asked questions

How is this different from the 4% rule?⌄

The 4% rule is a fixed rate of thumb; this solves for the exact level withdrawal that depletes your savings over the horizon you choose, at your assumed return.

Sources & methodology

Assumes a constant return and level withdrawals; does not model inflation or market sequence risk.

•U.S. SEC — retirement saving — SEC

Last updated: 2026-07-20

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How Much Do You Need to Retire?Your number depends on your spending, not someone else's. How to estimate it — and why inflation matters.The 4% Rule ExplainedThe most cited rule of thumb in early retirement — where it comes from, what it assumes, and its limits.

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