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.
How the Retirement Withdrawal Simulator Works
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. Enter your own numbers above and the result updates instantly as you type — there's no "Calculate" button to click and nothing is ever submitted to a server.
This tool belongs to our Retirement category, part of a library of 70+ free financial calculators covering mortgages, auto loans, investing, retirement, tax and more.
Related Retirement Calculators
Estimate only, not financial advice. Lenders, banks and tax rules can differ from the formulas used here.
About the Retirement Withdrawal Simulator
Simulates withdrawals from a retirement balance year by year to see how long the money might last. Retirement planning covers decades, so tiny changes in saving rate or return grow into large differences. Everything runs in your browser. Nothing you type is sent anywhere.
Use it to compare options before you commit, and then confirm figures with the provider. It sits in the Retirement group of the AZRS financial calculator library, next to related tools linked below.
How to use it
Step 1. Enter the starting balance and yearly withdrawal.
Step 2. Set the expected return and inflation.
Step 3. Read how many years the balance lasts.
What you get
Enter the starting balance and yearly withdrawal. Set the expected return and inflation.
Tips for good results
- Change one value at a time to see which input matters most.
- Test a lower return as well as your hoped-for one, because markets are uncertain.
- Write down the result and the inputs, then compare with a second offer or scenario.
- Confirm the final figures with your lender, adviser or the official source.
Common mistakes
- Entering a percent as a decimal, or the other way round.
- Comparing two results that used different terms or assumptions.
Common questions
What does the retirement withdrawal simulator do?
Simulates withdrawals from a retirement balance year by year to see how long the money might last.
Are the results exact?
No. They are estimates from standard formulas. Real offers, fees and rules can differ.
Is my data stored?
No. The calculation happens in your browser.
Is this advice?
No. It is a planning aid, not financial advice.
More calculators
Estimate only, not financial advice. Lenders, banks and tax rules can differ from the formulas used here.
