Retirement Withdrawal Calculator
Estimate how much you can safely withdraw each year and how long your portfolio will last in retirement.
Annual Withdrawal
$40,000
Monthly Withdrawal
$3,333
Years Funded
30 / 30
Final Balance
$1,048,611
✓ Withdrawal Plan is Sustainable
Your portfolio is projected to last the full 30-year retirement period with a remaining balance of $1,048,611.
Your portfolio is projected to last the full 30-year retirement period with a remaining balance of $1,048,611.
Tax-Efficient Withdrawal Order
- Required Minimum Distributions (RMDs from traditional IRAs/401(k)s starting at age 73)
- Taxable brokerage accounts (qualified dividends & long-term capital gains)
- Traditional IRA/401(k) withdrawals (taxed as ordinary income above RMDs)
- Roth IRA withdrawals (tax-free, let these grow as long as possible)
- Health Savings Account (HSA) reimbursements (tax-free for medical expenses)
Year-by-Year Projection
| Year | Withdrawal | Social Security | Balance |
|---|---|---|---|
| 1 | $40,000 | $0 | $989,126 |
| 2 | $41,200 | $0 | $976,736 |
| 3 | $42,436 | $24,000 | $986,748 |
| 4 | $43,709 | $24,720 | $996,499 |
| 5 | $45,020 | $25,462 | $1,005,965 |
| 6 | $46,371 | $26,225 | $1,015,119 |
| 7 | $47,762 | $27,012 | $1,023,936 |
| 8 | $49,195 | $27,823 | $1,032,387 |
| 9 | $50,671 | $28,657 | $1,040,443 |
| 10 | $52,191 | $29,517 | $1,048,073 |
| 11 | $53,757 | $30,402 | $1,055,246 |
| 12 | $55,369 | $31,315 | $1,061,926 |
| 13 | $57,030 | $32,254 | $1,068,080 |
| 14 | $58,741 | $33,222 | $1,073,669 |
| 15 | $60,504 | $34,218 | $1,078,655 |
| 16 | $62,319 | $35,245 | $1,082,999 |
| 17 | $64,188 | $36,302 | $1,086,656 |
| 18 | $66,114 | $37,391 | $1,089,584 |
| 19 | $68,097 | $38,513 | $1,091,735 |
| 20 | $70,140 | $39,668 | $1,093,061 |
| 21 | $72,244 | $40,858 | $1,093,512 |
| 22 | $74,412 | $42,084 | $1,093,034 |
| 23 | $76,644 | $43,347 | $1,091,572 |
| 24 | $78,943 | $44,647 | $1,089,069 |
| 25 | $81,312 | $45,986 | $1,085,465 |
| 26 | $83,751 | $47,366 | $1,080,695 |
| 27 | $86,264 | $48,787 | $1,074,695 |
| 28 | $88,852 | $50,251 | $1,067,396 |
| 29 | $91,517 | $51,758 | $1,058,726 |
| 30 | $94,263 | $53,311 | $1,048,611 |