Retirement Withdrawal Calculator

2026 rules

Enter your savings and yearly withdrawal to see how long the money lasts when withdrawals rise with inflation.

Your numbers

Savings at retirement

Yearly withdrawal

Expected yearly return

Inflation (raise withdrawals each year)

Age at retirement

Result

Money lasts27 years (to age 92)

Starting withdrawal rate5%
Real return after inflation2.44%
Years of withdrawals27

Year by year

Age	Start balance	Withdrawal	End balance
65	$1,000,000	$50,000	$997,500
66	$997,500	$51,250	$993,563
67	$993,563	$52,531	$988,083
68	$988,083	$53,845	$980,950
69	$980,950	$55,191	$972,048
70	$972,048	$56,570	$961,251
71	$961,251	$57,985	$948,430
72	$948,430	$59,434	$933,445
73	$933,445	$60,920	$916,151
74	$916,151	$62,443	$896,393
79	$789,320	$70,649	$754,605
84	$577,520	$79,933	$522,467
89	$250,715	$90,436	$168,292

How it works

Each year the calculator takes the withdrawal, grows what's left at your return, and raises next year's withdrawal by inflation. The money runs out when the balance hits zero.

What matters most is the real return, your return minus inflation. A 5% return with 2.5% inflation behaves like about 2.4% growth in today's dollars.

2026 figures: IRS Publication 590-B, Appendix B; IRS Rev. Rul. 2026-19 (October 2026 AFRs); IRS Notice 2022-6 (72(t) payments).

Questions

Should the withdrawal include taxes?

Yes. Withdrawals from traditional accounts are taxable, so the amount you take needs to cover the tax as well as your spending.

What withdrawal is sustainable for 30 years?

At a 3% real return, about 5% a year spends a portfolio down to zero in 30 years. The 4% rule leaves a margin for bad markets.