Retirement Withdrawal Calculator
Estimate how long your retirement savings may last, your sustainable monthly income and the remaining balance based on withdrawals, returns and inflation.
Add your current retirement balance and expected investment return.
Choose monthly or annual income and an inflation assumption.
See how long funds may last and your projected ending balance.
This calculator uses a constant monthly investment return, monthly withdrawals and optional annual inflation adjustments. It does not model sequence-of-returns risk, taxes, required minimum distributions, pension income, Social Security, healthcare costs or changes in investment allocation.
What is a sustainable retirement withdrawal rate?
A sustainable rate depends on retirement length, investment returns, inflation, taxes and market volatility. A commonly discussed starting point is around 4%, but every plan is different.
Why does inflation matter?
Inflation reduces purchasing power. Increasing withdrawals over time can preserve spending power but may shorten portfolio longevity.
Does this calculator include taxes or Social Security?
No. Add those income sources and expenses separately when creating a complete retirement plan.
Results are estimates generated locally in your browser using standard financial formulas and the figures you enter. They are for informational purposes only and are not financial, credit, tax or legal advice. Actual offers, rates, fees and eligibility vary by provider. VisionVix accepts no liability for decisions based on this tool's output.
This calculator is for general educational planning only and is not financial, tax, legal or investment advice. Actual results can differ because markets and expenses change over time.
