Iterative Retirement Withdrawal Sustainability Calculator
Will your nest egg outlast you? This calculator runs a year-by-year simulation of your portfolio, applying investment growth, inflation-adjusted withdrawals, and taxes to estimate how many years your savings will last.
About this calculator
Project how long your retirement savings will last using a year-by-year simulation that accounts for withdrawals, investment growth, and inflation-adjusted spending.
Frequently Asked Questions
How does this simulation work?
It models your portfolio year by year: each year you withdraw an inflation-adjusted amount, then the remaining balance grows at your assumed investment return rate.
Is this the same as the 4% rule?
It's similar in spirit but more flexible — you can test any starting withdrawal amount, return rate, and inflation rate rather than assuming a fixed 4%.
Does this account for market volatility?
No, this uses a constant average return each year. Real markets fluctuate, so consider this a simplified deterministic projection, not a guarantee.