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Retirement Withdrawal Calculator

Model a safe withdrawal rate and see how long a pot lasts against inflation and returns.

A safe withdrawal rate is the percentage of a retirement pot you can take in the first year, rising with inflation thereafter, without running out. The well-known 4% rule assumes a 30-year retirement and historical market returns; this calculator lets you test other rates, returns and inflation assumptions.

Runs in your browser
Privacy
Runs entirely in your browser — nothing is uploaded
Cost
Free, unlimited, no sign-up

Frequently asked questions

Is the 4% rule still safe?

It is contested. The original study used historical US returns over 30 years; longer retirements, lower expected returns and different markets all argue for a lower rate. Many planners now suggest 3 to 3.5% for a retirement expected to last 40 years or more.

What is sequence of returns risk?

The order of returns matters enormously when you are withdrawing. A poor first decade forces you to sell more units at low prices, permanently damaging the pot — even if the long-run average return is identical.

How to use the retirement withdrawal calculator

  1. 1Set the starting pot.
  2. 2Set the initial withdrawal rate.
  3. 3Set the model over.
  4. 4Set the expected annual return.
  5. 5Set the inflation.
  6. 6Choose the currency symbol.
  7. 7The result appears immediately — copy or download it.

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Put the working retirement withdrawal calculator on your own site. It runs in your visitors' browsers exactly as it does here — free, no account, nothing uploaded.

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