See exactly how long your retirement savings will last, year by year. Precise annual compounding math with optional inflation-adjusted withdrawals, plus the classic 4% rule (Trinity Study) benchmark.
| Year | Withdrawal | Growth earned | Balance |
|---|
Each year: withdrawal is taken at the start of the year, then the remaining balance grows by the expected return. The 4% rule is based on the Trinity Study — a portfolio of 50% stocks / 50% bonds sustained a 4% inflation-adjusted withdrawal for 30 years in the vast majority of historical scenarios. Actual market returns are variable; consider a Monte Carlo simulation for a full risk picture.
Year-by-year compounding with exact withdrawal timing — no linear shortcuts.
Compares your plan to the classic Trinity Study safe withdrawal rate.
Optionally grows your withdrawals with inflation, just like real retirement plans.
All calculations run locally in your browser. Nothing is uploaded.
Estimate benefits, plan savings and check required distributions.