Retirement Withdrawal Calculator

This is the spending side of retirement rather than the saving side: it starts from a balance that already exists and asks how long it survives. Enter the balance, the amount you take out in the first year, the return you expect and how much the withdrawal rises with inflation, and it reports the year and the age the money runs out. The second mode turns the question around and gives the first-year withdrawal that empties the balance exactly at the end of a chosen number of years. Withdrawals are taken at the start of each year and the rest grows at the return rate. A steady return is arithmetic and not a market, so a bad run early on will drain a balance this model calls safe.