Retirement Withdrawal Calculator
See how long your savings will last at a given withdrawal, or the modeled sustainable withdrawal you can take 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.
Drawing $50,000/yr, the balance runs out around age 94.
$45,140/yr after an estimated $4,860 in income tax (9.7% effective) on a $50,000 gross withdrawal.
This tool uses one account and withdrawals as your only income. The Complete Retirement Plan adds Social Security, pensions, mixed account types, required distributions and a year-by-year household projection (Beta).
Your balance, state, filing status, spending after tax and return assumptions go with you where the planner can accept them. A Roth account, or a state that asks you to confirm its rules, opens the planner empty so you can enter and confirm those yourself.
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 “Modeled sustainable withdrawal”you enter a target retirement length and choose how sure you want to be. It starts at a 90% chance: it runs 5,000 simulated markets and finds the largest level withdrawal that lasts that many years in at least 90% of them (you can also pick 80% or 95%). “Average returns” instead solves for a level withdrawal under one fixed return, which ignores market swings and can last in far fewer than half of simulated markets. All of these are model results that depend on the return, volatility and inflation you choose, not guarantees.
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.
Solve for how long it lasts, or for a sustainable amount.
Federal + state on traditional; tax-free on Roth. No FICA.
Today's-dollar results with an inflation-adjusted return.
Compare your number against the classic benchmark.
Good to know before you use it
The Average view uses a fixed return. Market ups & downs simulates variable returns to illustrate sequence-of-returns risk.
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 or 75, by birth year) may force larger withdrawals than you choose here. This calculator does not model RMDs.
This calculator is not tax or investment advice.
Frequently asked questions
What is the 4% rule?+
Are my withdrawals taxed?+
Which states don't tax retirement income?+
When do RMDs start?+
Is inflation included?+
Keep planning your retirement
See how your withdrawal plan fits with the rest of your financial picture.
Sources and limits
Tax figures come from IRS and state government publications (2026 rules, checked October 13, 2026). Written and maintained by Relocation By Numbers. Sources and limits reviewed October 13, 2026. Found a mistake? Tell us in the feedback box below. Full methodology
Sources
- IRS Rev. Proc. 2025-32: 2026 tax brackets and standard deduction
- State income tax rules: the state agency or legislature documents listed by state
Not included
- Taxes treat withdrawals as your only ordinary income with the standard deduction; Social Security and other income are not included.
- Payroll tax does not apply to distributions; states that do not tax qualified retirement income are modeled as exempt.
- The average-return view does not model market volatility; the optional Monte Carlo view is illustrative.