Retirement withdrawal calculator

Estimate how long savings support a fixed withdrawal at a constant annual return.

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Retirement withdrawal calculator processes your input in this browser. Inputs and results are excluded from analytics. Recent tools save tool names, visit counts and last-visit times. Saved tools store only their names. Draft saving is optional and stays on this device; delete saved text with the draft controls. Loading text from a URL is optional and contacts that server; its URL and your IP address are visible to the server. An optional “Use in” action keeps a handoff in this tab. The next tool removes it on arrival and ignores it if more than a minute has passed.

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Starting savings

Annual withdrawal

More inputs and assumptions

Annual effective return (%)

Answer

…

Estimate how long savings support a fixed withdrawal at a constant annual return.

More results

Precision and calculation record

Decimal places in numeric results and text downloads

Rounding changes displayed numbers, not the calculation. Text, fractions, matrices and CSV schedules keep their own formatting. Automatic keeps up to 12 significant digits, with money shown to cents where applicable.

Saved scenario

Save the current answer, then change an input to compare. This clears when you leave.

Formula and assumptions

Withdrawals occur at year-end; a fractional year is an algebraic estimate, not a dated payment schedule. No inflation, volatility, taxes or changing withdrawals. “No depletion” is true only for the fixed inputs and is not a guarantee.

Automatic precision shows numbers to 12 significant digits. Thousands separators such as 1,000 are accepted; use a dot for decimals.

Scratch calculator

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Use +, −, ×, ÷, parentheses and %. A percentage is divided by 100. This does not change the main tool.

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Updated 2026-09-26

Using Retirement withdrawal calculator

Estimate how long savings support a fixed withdrawal at a constant annual return.

Next: Annuity payout calculator

A worked example

Example inputs: starting savings = 12000, annual withdrawal = 1200, annual effective return (%) = 0. Years until depletion = 10.

Before you use the result

Example results for starting savings

These examples use Annual withdrawal: 1200; Annual effective return (%): 0. They are reference calculations, not recommended settings.

Starting savings	Years until depletion
6000	5
12000	10
24000	20

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ToolOctopus. “Retirement withdrawal calculator.” Updated 2026-09-26. https://tooloctopus.com/retirement-withdrawal-calculator.

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