Retirement Portfolio Drawdown Calculator
Model how long your retirement portfolio will last given a specific monthly withdrawal and return rate.
Calculation Inputs
Calculation Results
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Enter inputs on the left and click Calculate to view results.
Formula & Methodology
Simulate monthly: balance = (balance × (1+r/12)) − withdrawal × (1+inflation/12)^month
Models realistic portfolio depletion accounting for investment returns and inflation-adjusted withdrawals.
Frequently Asked Questions
What happens if I run out of money in retirement?
Options include reducing withdrawals, returning to part-time work, downsizing, or delaying Social Security to increase guaranteed income.