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Calcimator

Retirement Income Calculator

Calculate retirement income from savings using the 4% rule or custom withdrawal rate. Plan your retirement withdrawals.

Inputs

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%
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Summary

Annual Withdrawal

$40,000

Monthly Withdrawal$3,333.33

Retirement Balance Over Time

How to Use This Calculator
  1. Enter your starting values to generate a projected timeline or schedule. The calculator will build a period-by-period breakdown so you can see how values change over time.
  2. Retirement Savings — Total retirement savings. Accepts values from $10,000 to $10,000,000 (default: $1,000,000).
  3. Annual Withdrawal Rate — Percentage to withdraw annually (4% is common). Accepts values from 1 % to 10 % (default: 4 %).
  4. Expected Annual Return — Expected annual investment return. Accepts values from 0 % to 20 % (default: 7 %).
  5. Expand "Advanced Options" for additional fine-tuning. These optional inputs let you model more specific scenarios:
  6. Retirement Years — Number of years in retirement. Accepts values from 10 years to 50 years (default: 30 years).
  7. Once all inputs are set, review your results in the Results panel. Here's what each output means:
  8. Annual Withdrawal — shown as a dollar amount. This is the primary result of this calculator.
  9. Monthly Withdrawal — shown as a dollar amount.
  10. View the Retirement Balance Over Time below for a visual breakdown of how the numbers relate to each other.
  11. Explore the related calculators below if you need deeper analysis or want to approach this topic from a different angle.
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