Retirement Withdrawal Calculator: How Long Can You Stay Retired?

Use our Retirement Withdrawal Calculator to estimate how long your savings will last with flexible withdrawal options (annual, monthly, weekly) and yearly breakdowns.

Result Duration 14 years 7 months Total Withdrawals $17 500 175 withdrawals made.

Year	Final Balance	Difference	Return
1 Year	$11 892.74	$0	$592.74
2 Year	$11 255.12	-$637.62	$562.38
3 Year	$10 585.62	-$669.5	$530.5
4 Year	$9 882.64	-$702.98	$497.02
5 Year	$9 144.52	-$738.13	$461.87
6 Year	$8 369.49	-$775.03	$424.97
7 Year	$7 555.7	-$813.78	$386.22
8 Year	$6 701.23	-$854.47	$345.53
9 Year	$5 804.03	-$897.2	$302.8
10 Year	$4 861.98	-$942.06	$257.94
11 Year	$3 872.82	-$989.16	$210.84
12 Year	$2 834.2	-$1 038.62	$161.38
13 Year	$1 743.65	-$1 090.55	$109.45
14 Year	$598.58	-$1 145.08	$54.92
15 Year	$0	-$598.58	$5.78

Retirement Withdrawal Rate

The 4% rule is a popular guideline suggesting that retirees withdraw 4% of their retirement savings annually. This rule aims to ensure that funds last for approximately 30 years. For example, if you have $1 million saved, you would withdraw $40,000 per year.

However, everyone's financial situation is unique, and the 4% rule might not fit your specific needs. You might prefer a more conservative approach, such as a 2.5% withdrawal rate, or feel comfortable with a higher rate, like 5%.

To read more about the 4% rule or simply calculate it (or any other rate), try our 4% Rule Calculator.