Retirement Withdrawal Calculator

Enter all of the fields below,
then press the View Schedule button.
How many years until you retire? 
Number of Years in Retirement 
Average Annual Interest Rate you can earn?
(while retired)
Average Annual Inflation Rate  %
How much $ will you have when you retire?
Do you want to have any money left?
If much?
Adjust for inflation

To view the schedule, all input fields must contain a value.


  • The assumptions:
  • You're 40 years old and would like to retire at 65 (in 25 years). Your spouse will retire with you.
    You and your spouse currently have $150,000 in a taxable account to which you're no longer contributing. You also have $500,000 in IRAs (between the two of you) and will continue to contribute $8,000 ($4,000 each spouse) each year until you retire at 65. You're earning 5% per year on your taxable and IRA money and expect that to continue. You just used my Savings Calculator and found that you will have $2,582,947.50 (between your taxable account and IRAs) in 25 years.
    You are also contributing to a 401(k) and after using my 401(k) Calculator found it will be worth about $120,000 by the time you retire at 65.
    So, in 25 years you'll have saved about $2,702,947.50. You think you can earn 5% per year in retirement and assume inflation will average 3.5% per year. You want the money to last for 35 years with nothing left for heirs after that time.
    • 25 =Years until you retire (age 40 to age 65)
    • 35 =Years of retirement
    • 5 =Interest Rate
    • 3.5 =Inflation Rate
    • 2,702,947.50 =amount saved at time of retirement
    • 0 =amount left
    Press View Schedule You will be able to withdraw the equivalent of $ 41,296.86 (in todays $) each year - adjusting for inflation (see schedule). (Assuming all the above assumptions are met, of course.)
    -- Remember, any other benefits you may receive (Social Security, Pension, Annuity, etc.) will be added to that income.
Be sure to review your plan periodically or as requirements change!

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