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Retirement
Safe Withdrawal Rate Simulator Calculator
Model retirement withdrawal strategies and portfolio longevity under different market sequences.
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How to use
- Enter your current age, retirement start age, end age, and starting portfolio.
- Choose an asset allocation, inflation, and fees.
- Pick a withdrawal strategy (static, guardrails, or floor-and-ceiling) and a simulation mode.
- Review success rate, ending-balance percentiles, and the suggested withdrawal rate for your confidence target.
Assumptions & disclaimer
These calculators are educational. They use simplified models and the inputs you provide. Results are estimates and not personalized financial, tax, investment, or legal advice. Tax law, market behavior, and personal circumstances change — verify any assumption before acting on it, and consider working with a qualified professional for decisions that matter.
- Annual returns come from historical US stock (S&P 500 incl. dividends) and 10-year US Treasury data; past performance does not guarantee future results.
- Withdrawals occur at the start of each year; the remaining portfolio is rebalanced to the target allocation.
- Inflation is applied as a constant annual rate; real-world inflation is volatile.
- Fees are applied to the year-end portfolio. Taxes are not modeled.