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How this calculator works
Each month the balance grows at the return ÷ 12 and your withdrawal is taken out. The withdrawal increases each year by your chosen percentage.
Frequently asked questions
What is a safe withdrawal?
A common starting guide is about 4% of the starting balance per year, adjusted for inflation — but it depends on returns and how long you need the money.
Results are estimates based on the numbers you enter and simplified assumptions. They are not financial advice. See our disclaimer.