Retirement Withdrawal Planner
Find sustainable withdrawal rates backed by 150+ years of real market data.
How the calculator works
Each month you withdraw a percentage of your current savings that flexes with the market — more after strong months, less after weak ones — but always between a floor and a cap you set.
The calculator replays your plan through every starting month since 1871 and reports how it held up. Whatever it shows is a ceiling — you can always spend less.
The simulation uses three historical return streams: U.S. stocks (S&P 500 since 1871), Treasury bonds (10-year, since 1871), and gold (free-market era, 1968+). Taxes, fees, and fund expenses are not modeled.
Numbers are ceilings — spending less than the maximum is always safer than what the simulation shows. Results reflect past performance and do not guarantee future returns.
Your Savings
Total retirement savings in today's dollars
Your Goal
Investment Mix
Your holdings
No holdings yet — pick sources below.
Withdrawal Rules
The least you'll take each month, no matter what.
The most you'll take, even in great markets.
Market window for rate calculation
1 = monthly, 12 = yearly
Optimal Parameters
All historical periods
| Start | 1st Yr $/mo | Avg $/mo | End % | Result |
|---|---|---|---|---|