If you’re deciding how much to withdraw from retirement savings each year, compare your planned spending with your portfolio and other income. Get an initial withdrawal-rate calculation, see how different inflation, return or lifespan assumptions change the numbers, and leave with an income outline and side-by-side scenarios to review with your adviser.
Safe Withdrawal Rates
Estimate a retirement withdrawal rate from your savings, spending and time horizon.
Use Safe Withdrawal Rates
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What it writes
- Starting withdrawal-rate estimate and calculation
- Side-by-side withdrawal scenario comparison
- Retirement income outline for adviser review
How to use it
Include your current savings, expected yearly expenses, other income, and the number of years to model. State inflation and return assumptions, or ask for scenarios using specific rates.
What you bring
- Retirement savings and planned withdrawals
- Annual spending and other income
- Time horizon and inflation or return assumptions
- Choose a time horizon to model
A good fit for
- Checking whether planned annual spending fits your retirement savings
- Comparing withdrawal rates under different inflation and return assumptions
- Preparing retirement income figures before meeting a financial adviser
Ways to start
A few requests this Agent can handle.
I have $850,000 saved, expect $48,000 in annual spending, and want a 30-year estimate. Calculate my starting withdrawal rate and state your assumptions.
Compare 3.5% and 4% annual withdrawals for a $900,000 portfolio over 25 years, assuming 2.5% inflation and 5% annual returns.
Build a retirement income outline using $720,000 in savings, $24,000 in annual pension income, and $52,000 in yearly expenses over 30 years.
Good to know
This workspace provides text assistance.
- Guaranteeing savings will last through retirement
- Individualized investment or tax advice
- Calculations use only the figures and assumptions you type
- No portfolio review, live market data, or tax modeling
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Use it as a draft to review and adapt. Verify calculations, facts, rights, and suitability before relying on it. Do not provide information you do not have permission to share.
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