Retirement Withdrawal Calculator
See how long your retirement savings will last with yearly withdrawals that rise with inflation, and the safe amount to take each year.
Result
Assumes the same return every year. Real markets vary, and a bad first few years hurts more than this shows.
Money lasts
31.3 years
- Left at the end of the period
- $117,874.01
- Most you can take in year one to last the period
- $46,261.71
- Starting withdrawal rate
- 4.5%
Year by year
| Year | Withdrawal | Balance at year end |
|---|---|---|
| 1 | $45,000.00 | $1,002,750.00 |
| 2 | $46,125.00 | $1,004,456.25 |
| 3 | $47,278.12 | $1,005,037.03 |
| 4 | $48,460.08 | $1,004,405.80 |
| 5 | $49,671.58 | $1,002,470.93 |
| 6 | $50,913.37 | $999,135.44 |
| 7 | $52,186.20 | $994,296.70 |
| 8 | $53,490.86 | $987,846.13 |
| 9 | $54,828.13 | $979,668.90 |
| 10 | $56,198.83 | $969,643.57 |
| 11 | $57,603.80 | $957,641.75 |
| 12 | $59,043.90 | $943,527.75 |
| 13 | $60,520.00 | $927,158.14 |
| 14 | $62,033.00 | $908,381.40 |
| 15 | $63,583.82 | $887,037.46 |
| 16 | $65,173.42 | $862,957.24 |
| 17 | $66,802.75 | $835,962.21 |
| 18 | $68,472.82 | $805,863.86 |
| 19 | $70,184.64 | $772,463.18 |
| 20 | $71,939.26 | $735,550.11 |
| 21 | $73,737.74 | $694,902.99 |
| 22 | $75,581.18 | $650,287.90 |
| 23 | $77,470.71 | $601,458.05 |
| 24 | $79,407.48 | $548,153.09 |