Retirement Withdrawal Calculator

See the level amount you can withdraw each year so your savings last a set number of years at a given return.

Your details

Retirement savings$Annual return%Years in retirement

Sustainable annual withdrawal

$65,051.44

Monthly: $5,420.95
Total over horizon: $1,951,543.05

Sustainable annual withdrawal$65,051.44

Formula

Withdrawal = nest egg × r ÷ (1 − (1 + r)^−n), the annuity payment that exhausts the balance over n years.

Frequently asked questions

How is this different from the 4% rule?⌄

The 4% rule is a fixed rate of thumb; this solves for the exact level withdrawal that depletes your savings over the horizon you choose, at your assumed return.

Sources & methodology

Assumes a constant return and level withdrawals; does not model inflation or market sequence risk.

•U.S. SEC — retirement saving — SEC

Last updated: 2026-07-20

Also on your phone

Numveo for Android

200+ financial calculators — mortgage, loans, taxes, retirement. Fast, private, and fully offline.

GET IT ONGoogle Play

Learn more

How Much Do You Need to Retire?How to estimate your retirement number from your spending, the 4% rule, the 25x guideline, and why inflation matters.The 4% Rule ExplainedWhat the 4% rule is, where it comes from, what it assumes, and why some retirees use a lower rate.

Embed this calculator⌄

Paste this into your page — it works with no key and computes in the visitor's browser. The short credit line links back to Numveo; please keep it.

<iframe src="https://numveo.com/embed/retirement-withdrawal-calculator" width="100%" height="640" style="border:0" loading="lazy" title="Retirement Withdrawal Calculator"></iframe>
<p style="font:13px/1.5 system-ui,sans-serif;color:#52514e;margin:6px 0"><a href="https://numveo.com/retirement/retirement-withdrawal-calculator" target="_blank" rel="noopener">Retirement Withdrawal Calculator</a> by <a href="https://numveo.com" target="_blank" rel="noopener">Numveo</a></p>