Retirement Account Withdrawal

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Retirement Account Withdrawal

Calculate how much you can safely withdraw from your retirement account each year, adjusted for inflation.

Inputs

Account balance ($)

Years to withdraw

Annual return (%)

Inflation (%)

Results

Max annual withdrawal (first year)

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Max monthly withdrawal (first year)

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Level annual withdrawal (nominal)

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Final-year withdrawal (inflation-adjusted)

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Total lifetime withdrawals

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First-year withdrawal is the inflation-adjusted amount that will exhaust the balance over the period. Assumes withdrawals increase each year by the inflation rate. A flat ("level") withdrawal loses purchasing power over time.