Calculate how long your savings will last, or how much you can withdraw periodically from a lump sum at a given interest rate.
Payout Details
Enter your balance and withdrawal plan
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%
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% per year
Add 2-3% for inflation-adjusted withdrawals
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FAQ
What is the 4% rule?
The 4% rule (Bengen rule) states retirees can withdraw 4% of their portfolio in year one, and adjust for inflation annually, with a high probability of funds lasting 30 years. At a $500,000 balance, that's $20,000/year or $1,667/month.
What rate of return should I expect during retirement?
Conservative: 3-4%, Moderate: 5-6%, Aggressive: 7-8%. During payout phase, most advisors recommend a conservative portfolio to reduce sequence-of-returns risk.
What is inflation-adjusted withdrawal?
Inflation-adjusted withdrawals increase each year to maintain purchasing power. At 3% inflation, if you start at $2,500/month, you'd need $2,575/month in year 2, etc. This depletes funds faster but maintains lifestyle.