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Savings calculator
Model retirement withdrawals from a starting portfolio, monthly spending, expected return, and retirement horizon to estimate ending balance and depletion timing.
How to read these results
These values are calculated from your current inputs. Check the input units and this calculator’s stated assumptions or included scope alongside the results.
Primary result: Projected ending balance
Supporting value: First-year annual withdrawal
Use the result for your next decision
Compare the primary result with your target or another option, then change only the conditions you want to test and recalculate. Before acting, also check the calculator-specific guidance and applicable conditions.
Keep up to three calculated result snapshots only for this page session and compare them with the current result. Inputs, URLs, and browser storage are not used.
Shares only the calculator name and displayed result summary. Inputs and URLs are not included or stored.
Uses your browser’s print feature without uploading or automatically saving your inputs or results.
This is a simplified constant-return, constant-withdrawal model. Real results can differ materially because of market volatility, inflation, taxes, fees, and withdrawal timing.
Each month, the entered annual return is converted to a monthly rate, applied to the portfolio, and the monthly withdrawal is subtracted. The model runs through the selected retirement horizon or until the portfolio reaches zero.
The calculator does not claim that any withdrawal rate is universally safe. Consider retirement length, asset allocation, inflation, taxes, sequence risk, and other income sources.