Project your balance at retirement and estimate a sustainable annual withdrawal amount based on your savings plan.
Projected balance
$1,073,120
$225,000 contributed, $848,120 from growth
Sustainable withdrawal (at your safe withdrawal rate)
$42,925/year
≈ $3,577/month
This calculator is informational only, not personalized financial advice. It assumes a constant contribution and rate of return, which real markets never deliver evenly — treat the result as a directional estimate, not a guarantee, and revisit it as your situation changes.
It defaults to a framework based on the traditional 4% rule, which estimates how much you can withdraw annually from a retirement portfolio with a low risk of running out of money over roughly a 30-year retirement. Your actual safe rate depends on your time horizon, portfolio mix, and market conditions.
Yes — projections are inflation-adjusted so the numbers reflect purchasing power in today's dollars, not just a nominal future balance.
Longer retirement horizons generally require a lower, more conservative withdrawal rate than the standard 4% guideline. Adjust your target retirement age and expected timeline in the calculator inputs to see how a longer drawdown period changes the sustainable withdrawal estimate.
No. It's a planning estimate based on the numbers you enter, not personalized financial advice. For a full retirement plan that accounts for taxes, healthcare costs, and Social Security timing, a fee-only financial planner can go deeper than any calculator.
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