Retirement Withdrawal Rate Simulator

The Retirement Withdrawal Rate Simulator models what happens to your nest egg as you draw down funds during retirement. Enter your starting balance, desired annual withdrawal, expected net return, and number of years to simulate. Instantly see whether your savings survive, your ending balance, and the year your fund would run out (if ever).

Total savings at retirement.
Average return minus inflation.
How much you spend or withdraw each year.
How many years to simulate withdrawals.
Fund Survives?
—
Final Balance
—
Depletion Year
—
Simulate your real retirement drawdowns—see if your savings and withdrawal plan really add up!

How much can you safely withdraw each year in retirement? This question is critical, withdraw too much, and you risk running out; withdraw too little, and you miss out on joys you could have afforded. The Retirement Withdrawal Rate Simulator lets you test your plan, visualize depletion risk, and see whether your nest egg is built to last.

  • Explore the “4% rule” or your own custom withdrawal rate
  • Stress-test against years with inflation or bad returns
  • See exactly what happens to your savings every year, so you can plan, adjust, and retire with confidence

Build your withdrawal strategy on facts, not guesswork. Try variations, find your safe spending zone, and enjoy your retirement without financial anxiety!