How long will your savings last? Model your portfolio runway with inflation-adjusted withdrawals.
| Year | Age | Start Balance | Investment Return | Withdrawal | End Balance |
|---|
Withdrawal Rate: Your annual withdrawal as a % of starting balance. The classic "4% rule" suggests this rate is sustainable for 30 years in most market conditions.
Inflation adjustment: Each year your withdrawal increases with inflation to maintain purchasing power. A $30K/year withdrawal at 3% inflation becomes $40K after 10 years.
Sequence of returns risk: A bad market in your early retirement years can devastate a portfolio even if long-run averages are fine. Having 1-2 years of cash as a buffer helps.
Note: This calculator models a consistent average return. Real markets are volatile. Consult a financial advisor for personalised retirement planning.