Try the Retirement Withdrawal Simulator
Simulate spending down a retirement portfolio year by year with inflation-adjusted withdrawals and market growth — and see the exact year the money runs out, if ever.
- Free to use
- No signup
- Nothing to install
- Runs in your browser
Illustration. Open the tool for the real thing.
See it in action
The Retirement Withdrawal Simulator with sample data entered and the result showing.
What is the Retirement Withdrawal Simulator?
Simulate spending down a retirement portfolio year by year with inflation-adjusted withdrawals and market growth — and see the exact year the money runs out, if ever.
Fill in the fields and the page works out the result for you.
3 steps to your result
Open the tool and follow along. Nothing to install.
What you get
Part of the Retirement group of AZRS calculators.
AZRS tools are free to open and use.
It opens in your browser, so there is nothing to download.
Used for
Pick one to see how it fits.
Planning
Simulate spending down a retirement portfolio year by year with inflation-adjusted withdrawals and market growth — and see the exact year the money runs out, if ever.
Try it freeHow it compares
A plain look at this tool next to the usual alternative.
| This calculator | Desktop software | |
|---|---|---|
| Install | Nothing to install | Usually an app or program to install |
| Account | No signup | Depends on the product |
| Cost | Free to use | Free or paid, depends on the product |
| Where it runs | In your browser tab | On your computer |
Questions people ask
What does the Retirement Withdrawal Simulator do?
Simulate spending down a retirement portfolio year by year with inflation-adjusted withdrawals and market growth — and see the exact year the money runs out, if ever.
Is the result financial advice?
No. It is an estimate to help you plan. Check important decisions with a qualified professional.
Do I need an account to use the Retirement Withdrawal Simulator?
No. Open the page and enter your numbers.
How do I use the Retirement Withdrawal Simulator?
1. Open the Retirement Withdrawal Simulator. 2. Enter the values it asks for. 3. Read the result shown below the fields.
Who is it for?
Planning: Simulate spending down a retirement portfolio year by year with inflation-adjusted withdrawals and market growth — and see the exact year the money runs out, if ever.
More free tools
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Try the Retirement Withdrawal Simulator now
Simulate spending down a retirement portfolio year by year with inflation-adjusted. Free to use.
Try it free