Future Value Calculator with Withdrawals
Plan sustainable retirement withdrawals. See if your savings will last throughout retirement.
How the Future Value Calculator with Withdrawals works
Enter your starting balance, withdrawal amount, expected return rate, and retirement length. See how long your money lasts and if your plan is sustainable.
Running out of money in retirement is scary. This calculator shows if your savings will survive your retirement years.
How it works
Tutorial
Retirement planning means understanding both savings and spending. The common “4% rule” suggests withdrawing 4% of your portfolio annually, but will that work for your specific situation? This calculator shows exactly how long your money will last based on your withdrawal rate, expected returns, and retirement timeline.
Use this to answer critical questions: How much can you safely withdraw each month? Will your portfolio last 30 years? What happens if investment returns are lower than expected? See your account balance year by year, accounting for both growth and withdrawals.
The Basic Formula
| Component | Formula | Purpose |
|---|---|---|
| Annual Withdrawal | Starting Balance × Withdrawal Rate | First year withdrawal |
| Year-End Balance | (Beginning Balance – Withdrawal) × (1 + r) | After withdrawal and growth |
| Inflation Adjusted | Withdrawal × (1 + inflation)^n | Maintain buying power |
Step-by-Step Example
Scenario:$800,000 portfolio, $40,000 annual withdrawals (5% initial rate), 6% annual return, 3% inflation adjustment, 30 years
Step 1: Initial Setup
| Parameter | Value | Explanation |
|---|---|---|
| Starting Portfolio | $800,000 | Retirement day balance |
| First Year Withdrawal | $40,000 | 5% of starting balance |
| Expected Return | 6% | Conservative estimate |
| Annual Increase | 3% | Keep up with inflation |
| Retirement Length | 30 years | Age 65 to 95 |
Step 2: First 5 Years Detail
| Year | Starting Balance | Withdrawal | Growth | Ending Balance |
|---|---|---|---|---|
| 1 | $800,000 | $40,000 | $45,600 | $805,600 |
| 2 | $805,600 | $41,200 | $45,864 | $810,264 |
| 3 | $810,264 | $42,436 | $46,070 | $813,898 |
| 4 | $813,898 | $43,709 | $46,211 | $816,400 |
| 5 | $816,400 | $45,020 | $46,283 | $817,663 |
Step 3: Long-Term Projection
| Year | Balance | Annual Withdrawal | Status |
|---|---|---|---|
| 10 | $821,478 | $52,192 | Still growing |
| 15 | $818,024 | $60,476 | Peak balance |
| 20 | $793,510 | $70,081 | Gradual decline |
| 25 | $733,865 | $81,223 | Accelerating decline |
| 30 | $635,129 | $94,145 | Portfolio survived |
What This Means
With $800,000, $40,000 initial withdrawal (5% rate), 6% returns, and 3% annual increases, your money not only lasts 30 years but grows to $635,000. This works because the 6% return exceeds the effective withdrawal rate. In years 1-15, your portfolio actually grows despite withdrawals. After year 15, withdrawals gradually exceed returns and the balance slowly declines, but remains substantial.
However, this assumes steady 6% returns, which is unrealistic. Markets fluctuate, and poor returns in early retirement can be devastating. If you experience negative returns in year 1-2, the numbers change dramatically. Stress-test with conservative scenarios: 4% returns would deplete this portfolio around year 28. The traditional 4% withdrawal rule ($32,000 initial instead of $40,000) provides much more security, ending with over $1 million after 30 years.
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