About the Retirement Withdrawal Calculator
Inflation-adjusted annual withdrawals from retirement savings: how long the money lasts and the ending balance.
Also known as: retirement drawdown, withdrawal plan, how much can i withdraw.
How to use this calculator
- Enter retirement savings, first-year withdrawal, annual return, inflation (raise withdrawals by).
- The result updates instantly as you type — press Calculate (or Enter) at any time.
- Review the breakdown shown under the main result.
- Use Copy result or Share to save the answer or send a link with your inputs.
Formula
Balance = (balance − withdrawal) × (1 + r); withdrawal grows with inflation
Worked example
Using the values pre-filled in the calculator above:
- Retirement savings = 800,000
- First-year withdrawal = 40,000
- Annual return = 5 %
- Inflation (raise withdrawals by) = 3 %
the calculator returns:
- Savings last: 25 years
- Initial withdrawal rate: 5%