Retirement Withdrawal Calculator
AdvancedProject fixed withdrawals with inflation, returns, and fees.
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Simulate year-by-year portfolio withdrawals that rise with inflation, net of investment return and fees, and see if the portfolio depletes.
How to use this tool
Enter portfolio value, starting annual spending need, years, return, inflation, fee percent, and optional other annual income that offsets withdrawals.
Worked example
An $800,000 portfolio needing $40,000/year with $18,000 of Social Security only withdraws $22,000 from the portfolio in year one (then inflated), lasting longer than withdrawing the full $40,000.
How it works
Projects an inflation-adjusted annual withdrawal schedule against portfolio growth net of fees. Optional Social Security or other income reduces the amount drawn from the portfolio each year (floored at zero).
Limitations
Estimates only for educational purposes. Not financial, tax, or legal advice. Verify figures with your lender, advisor, or official IRS/SSA sources before making decisions.
Privacy and file handling
Your data stays on your device and is not uploaded.
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