Investment Withdrawal Calculator
Model a portfolio with withdrawals at the start or end of each month, including an annual inflation step-up and transparent lower- and higher-return cases.
Applied once every 12 months; use 0% for a fixed withdrawal.
- Starting balance
- $250,000
- Total withdrawn
- $444,282
- Lower-return case (4.0%)
- Runs out in 15 yrs 11 mos
- Higher-return case (8.0%)
- $172,959
- Months of income
- 234
Under the same smooth-return assumptions, the portfolio is exhausted in about 19 yrs 6 mos. The return cases are deterministic assumptions, not probabilities or guarantees.
Nominal pre-tax projection. It does not model market volatility, sequence-of-returns risk, fees or taxes.
Use Left and Right Arrow, Home, or End to inspect data points.
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.
- Returns are applied at a steady monthly rate; real markets do not behave this way.
- Withdrawal timing and inflation choices materially change the result.
- Scenarios are deterministic illustrations, not probabilities or guarantees.
The email includes this route only; calculator inputs are not attached.