Retirement Withdrawal Calculator

See how long your savings will last at a given withdrawal — or the safe amount you can withdraw for a target retirement length. Taxes, inflation, and the 4% rule are all built in.

Handles traditional vs. Roth accounts and state tax treatment of retirement income.

See methodologyPlanning estimates only. Results depend on your inputs, tax status, and assumptions.

How long will it lastSafe withdrawal amountTaxes & inflation4% rule reference

Your nest egg

Current retirement balance

Annual withdrawal (today's $)

Your current age

Taxes

Filing status

State

Traditional withdrawals are taxed as ordinary income (federal + state). Payroll tax (FICA) does not apply to retirement distributions.

Return assumptions

Expected annual return (%)

Inflation (%)

Real return used: 2.91%. This is a smooth, average-return projection — it does not model market volatility or sequence-of-returns risk.

Your money lasts

29 years

Drawing $50,000/yr, the balance runs out around age 94.

After-tax spendable

$3,742/mo

$44,906/yr after an estimated $5,094 in income tax (10.2% effective) on a $50,000 gross withdrawal.

Balance over time (today's $)

After 5 years$881,653

After 10 years$745,038

After 15 years$587,334

After 20 years$405,287

After 25 years$195,137

After 30 yearsDepleted

All figures are in today's dollars. Tax estimates treat withdrawals as your only ordinary income using traditional/taxabletreatment and 2025 federal & state rules with the standard deduction; they don't include Social Security, the extra standard deduction at 65+, capital-gains treatment, or Required Minimum Distributions (which begin at age 73). This is a smooth average-return projection; switch to “Market ups & downs” to model volatility and sequence-of-returns risk. Planning estimates only, not tax or investment advice.

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How this calculator works

Pick a mode. In “How long will it last?” you enter a withdrawal and the calculator draws it down year by year until the money runs out. In “Safe withdrawal amount” you enter a target retirement length and it solves for the largest level withdrawal your balance can sustain for that many years.

Everything runs in today's dollars: withdrawals rise with inflation to hold your buying power constant, and the portfolio compounds at the inflation-adjusted “real” return. Taxes on traditional withdrawals use the same verified federal + state tax engine as the rest of this site — Roth withdrawals come out tax-free.

Two modes

Solve for how long it lasts, or for a sustainable amount.

Real taxes

Federal + state on traditional; tax-free on Roth. No FICA.

Inflation-aware

Today's-dollar results with an inflation-adjusted return.

4% rule reference

Compare your number against the classic benchmark.

Good to know before you use it

This is a smooth, average-return projection. Real markets are volatile, and a run of bad early returns (sequence-of-returns risk) can deplete a portfolio faster than the average suggests.

Tax estimates treat the withdrawal as your only ordinary income with the standard deduction. They don't include Social Security, the extra standard deduction at 65+, or capital-gains rules for taxable brokerage accounts.

Required Minimum Distributions (age 73+) may force larger withdrawals than you choose here. This calculator does not model RMDs.

This calculator is not tax or investment advice.

✓No account or sign-up required

✓Uses your actual marginal tax rate

✓Results in today's dollars

Frequently asked questions

What is the 4% rule?+

Withdraw 4% of your starting portfolio in year one, then adjust that dollar amount for inflation each year. Historically this gave a high chance of lasting a 30-year retirement — a rule of thumb, not a guarantee.

Are my withdrawals taxed?+

Traditional 401(k)/IRA withdrawals are taxed as ordinary income (federal, and state in most states). Roth withdrawals are tax-free. FICA payroll tax never applies to retirement distributions.

Which states don't tax retirement income?+

The nine no-income-tax states, plus Illinois, Pennsylvania, and Mississippi, which fully exempt qualified retirement-plan distributions. Others offer partial exclusions.

When do RMDs start?+

Under SECURE 2.0, Required Minimum Distributions from traditional accounts begin at age 73 (rising to 75 in 2033). Roth IRAs have no lifetime RMDs.

Is inflation included?+

Yes. Withdrawals rise with inflation to hold buying power constant, and the portfolio grows at the inflation-adjusted real return. Everything is shown in today's dollars.

Keep planning your retirement

See how your withdrawal plan fits with the rest of your financial picture.