Retirement Withdrawal Calculator
Plan your retirement withdrawals with our Monte Carlo simulation calculator. Analyze different withdrawal strategies and see the probability of your portfolio lasting through retirement.
Enter your portfolio details and click "Calculate" to see withdrawal strategy projections.
About Retirement Withdrawal Strategies
The 4% Rule
The traditional 4% rule suggests withdrawing 4% of your initial portfolio in the first year, then adjusting that amount for inflation each year. Research suggests this provides a high probability of portfolio survival for a 30-year retirement.
Percentage vs. Fixed Withdrawals
Percentage-based withdrawals automatically adjust to market conditions, reducing withdrawals in down markets. Fixed withdrawals provide more stable income but may deplete your portfolio faster in market downturns.
Sequence of Returns Risk
Poor investment returns in the early years of retirement can significantly impact portfolio longevity. This calculator uses Monte Carlo simulation to account for this risk by modeling many possible market scenarios.
Disclaimer: This calculator provides projections based on the information you provide and uses Monte Carlo simulation to model potential outcomes. Actual results will vary based on market performance, inflation, and other factors. This tool is for educational purposes only and does not constitute financial advice. Consult with a financial professional for personalized guidance.