
This is an interesting retirement calculator. I have included it because it may help you devise a way to build your own retirement plan. This calculator calculates the withdrawal amount  which increases each period and hopefully offsets the effects of inflation. However, if you have a variable rate, your withdrawal amount in any given period may actually decrease. 



EXAMPLE:  You have $420,000 that you've invested in a mutual fund. You plan to take quarterly withdrawals. It's been regularly earning about 5% interest per year. The withdrawal is paid at the end of each quarter. You would like that to continue for 20 years (80 quarters).
On the calculator you will enter:
 420,000 for Beginning Balance
 5 for Interest Rate (compounded annually)
 20 for Years and select Quarterly for when the withdrawals are made.
 Press the View Schedule button to get a full schedule.

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