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Retirement Withdrawal Calculator
Determine how long your retirement savings will last at a given spending rate.
About This Calculator
A $800,000 portfolio withdrawing $4,000/month ($48,000/year) depletes in roughly 24 years at 5% return with 3% inflation adjustments. Reducing withdrawals by just $500/month extends the portfolio to 35+ years. The 4% rule — spending 4% of the initial balance annually — has historically sustained a 30-year retirement in most market conditions.