Retirement
Retirement Withdrawal Calculator
See how long a nest egg lasts at a chosen annual withdrawal, with returns still working and withdrawals rising for inflation. Also known as a drawdown or distribution calculator.
Your numbers
$
$
5%
2.5%
Statement
Savings run out after
29 years
starting at $40,000/yr
- Starting balance
- $800,000
- First-year withdrawal
- $40,000
- Withdrawal rate
- 5.0%
- Years of income
- 29 years
Drawing $40,000 a year (rising with inflation), the money lasts about 29 years. Lowering the withdrawal or the inflation assumption extends it.
Over time
Savings run out after29 years
Estimates only — not financial advice. They produce estimates based on the figures you enter and do not account for every fee, tax or change in rate.
Frequently asked questions
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