If you retire today, exactly how long will your money last before it runs out?
Retirement Drawdown Calculator
Your Results
Enter your details to see results.
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How to Use This Calculator
Enter your current savings, monthly withdrawal rate, and expected annual return on your remaining balance.
Frequently Asked Questions
What happens if my return is higher than my withdrawal?
Your portfolio will continue to grow indefinitely and will never run out.
What does the Retirement Drawdown Calculator tell me?
The Retirement Drawdown Calculator reveals exactly how many years your nest egg will survive based on your monthly withdrawal and expected growth.
Why does the Retirement Drawdown Calculator say my money lasts forever?
If your investment return outpaces your withdrawal rate, the Retirement Drawdown Calculator correctly shows that your portfolio will grow indefinitely.
Does the Retirement Drawdown Calculator account for taxes?
No, the Retirement Drawdown Calculator models gross portfolio value. You must account for income tax on your withdrawals separately.
How is this different from the Retirement Savings Calculator?
The savings tool builds wealth. The Retirement Drawdown Calculator models the decumulation phase of spending it down.