Example: Nest egg at retirement: $1,200,000 · Annual withdrawal: $60,000 · Annual return in retirement: 5% · Inflation (withdrawals grow): 2.5% → Money lasts: 29 years.
Initial withdrawal rate: 5%
4% rule suggests: $48,000 / yr
Frequently asked questions
How do I calculate retirement withdrawal? Enter your numbers above and the result updates instantly. For example: Nest egg at retirement: $1,200,000 · Annual withdrawal: $60,000 · Annual return in retirement: 5% · Inflation (withdrawals grow): 2.5% → Money lasts: 29 years.
Is this Retirement Withdrawal Calculator free? Yes — completely free with no sign-up or paywall. It runs entirely in your browser and keeps working offline; the numbers you enter never leave your device.
How accurate is it? It uses the standard published formula for retirement withdrawal. Results are estimates for planning — not financial, tax, medical, engineering, or legal advice.