Retirement Withdrawal Calculator

https://www.vertex42.com/Calculators/retirement-withdrawal-calculator.html © 2013 Vertex42 LLC

Withdrawal Plan
Balance
Investment at Retirement 500,000 600,000.00
Date of Retirement 7/1/2025
Annual Interest Rate 4.00% 500,000.00
Withdrawal Frequency Monthly rate per period 0.333%
First Withdrawal 3,000 400,000.00 payments per year 12
Payment Type End of Period type 0
300,000.00
Annual Inflation Rate 2.00% inflation per period 0.167%
Current Age 55.0
200,000.00

Results
100,000.00
Years Until Retirement 5.63
Age at Retirement 60.6
0.00
Initial Withdrawal 3,354.01 0 20 40 60 80 100 120 140 160 180 200
Payment Number
Number of Payouts 172
Age at Last Payout 75.0
Final Payout 3,593.26
Total Interest Earned 166,574.44
Total Withdrawals 666,574.44

Payout Schedule
Interest Withdrawal Additional
# Date Balance
Earned Amount Withdrawal
0 7/1/2025 0.00 0.00 500,000.00
1 8/1/2025 1,666.67 3,354.01 498,312.66
2 9/1/2025 1,661.04 3,359.60 496,614.10
3 10/1/2025 1,655.38 3,365.20 494,904.28
4 11/1/2025 1,649.68 3,370.81 493,183.15
5 12/1/2025 1,643.94 3,376.43 491,450.66
6 1/1/2026 1,638.17 3,382.06 489,706.77
7 2/1/2026 1,632.36 3,387.69 487,951.44
8 3/1/2026 1,626.50 3,393.34 486,184.60
9 4/1/2026 1,620.62 3,399.00 484,406.22
10 5/1/2026 1,614.69 3,404.66 482,616.25
11 6/1/2026 1,608.72 3,410.34 480,814.63
12 7/1/2026 1,602.72 3,416.02 479,001.33
13 8/1/2026 1,596.67 3,421.71 477,176.29
14 9/1/2026 1,590.59 3,427.42 475,339.46
15 10/1/2026 1,584.46 3,433.13 473,490.79
16 11/1/2026 1,578.30 3,438.85 471,630.24
17 12/1/2026 1,572.10 3,444.58 469,757.76
18 1/1/2027 1,565.86 3,450.32 467,873.30
19 2/1/2027 1,559.58 3,456.07 465,976.81
20 3/1/2027 1,553.26 3,461.83 464,068.24
21 4/1/2027 1,546.89 3,467.60 462,147.53
22 5/1/2027 1,540.49 3,473.38 460,214.64
23 6/1/2027 1,534.05 3,479.17 458,269.52
24 7/1/2027 1,527.57 3,484.97 456,312.12
 Interest Withdrawal Additional
# Date Balance
Earned Amount Withdrawal
25 8/1/2027 1,521.04 3,490.78 454,342.38
26 9/1/2027 1,514.47 3,496.60 452,360.25
27 10/1/2027 1,507.87 3,502.42 450,365.70
28 11/1/2027 1,501.22 3,508.26 448,358.66
29 12/1/2027 1,494.53 3,514.11 446,339.08
30 1/1/2028 1,487.80 3,519.97 444,306.91
31 2/1/2028 1,481.02 3,525.83 442,262.10
32 3/1/2028 1,474.21 3,531.71 440,204.60
33 4/1/2028 1,467.35 3,537.59 438,134.36
34 5/1/2028 1,460.45 3,543.49 436,051.32
35 6/1/2028 1,453.50 3,549.40 433,955.42
36 7/1/2028 1,446.52 3,555.31 431,846.63
37 8/1/2028 1,439.49 3,561.24 429,724.88
38 9/1/2028 1,432.42 3,567.17 427,590.13
39 10/1/2028 1,425.30 3,573.12 425,442.31
40 11/1/2028 1,418.14 3,579.07 423,281.38
41 12/1/2028 1,410.94 3,585.04 421,107.28
42 1/1/2029 1,403.69 3,591.01 418,919.96
43 2/1/2029 1,396.40 3,597.00 416,719.36
44 3/1/2029 1,389.06 3,602.99 414,505.43
45 4/1/2029 1,381.68 3,609.00 412,278.11
46 5/1/2029 1,374.26 3,615.01 410,037.36
47 6/1/2029 1,366.79 3,621.04 407,783.11
48 7/1/2029 1,359.28 3,627.07 405,515.32
49 8/1/2029 1,351.72 3,633.12 403,233.92
50 9/1/2029 1,344.11 3,639.17 400,938.86
51 10/1/2029 1,336.46 3,645.24 398,630.08
52 11/1/2029 1,328.77 3,651.31 396,307.54
53 12/1/2029 1,321.03 3,657.40 393,971.17
54 1/1/2030 1,313.24 3,663.50 391,620.91
55 2/1/2030 1,305.40 3,669.60 389,256.71
56 3/1/2030 1,297.52 3,675.72 386,878.51
57 4/1/2030 1,289.60 3,681.84 384,486.27
58 5/1/2030 1,281.62 3,687.98 382,079.91
59 6/1/2030 1,273.60 3,694.13 379,659.38
60 7/1/2030 1,265.53 3,700.28 377,224.63
61 8/1/2030 1,257.42 3,706.45 374,775.60
62 9/1/2030 1,249.25 3,712.63 372,312.22
63 10/1/2030 1,241.04 3,718.82 369,834.44
64 11/1/2030 1,232.78 3,725.01 367,342.21
65 12/1/2030 1,224.47 3,731.22 364,835.46
66 1/1/2031 1,216.12 3,737.44 362,314.14
67 2/1/2031 1,207.71 3,743.67 359,778.18
68 3/1/2031 1,199.26 3,749.91 357,227.53
69 4/1/2031 1,190.76 3,756.16 354,662.13
70 5/1/2031 1,182.21 3,762.42 352,081.92
71 6/1/2031 1,173.61 3,768.69 349,486.84
72 7/1/2031 1,164.96 3,774.97 346,876.83
73 8/1/2031 1,156.26 3,781.26 344,251.83
74 9/1/2031 1,147.51 3,787.57 341,611.77
75 10/1/2031 1,138.71 3,793.88 338,956.60
76 11/1/2031 1,129.86 3,800.20 336,286.26
77 12/1/2031 1,120.95 3,806.53 333,600.68
78 1/1/2032 1,112.00 3,812.88 330,899.80
79 2/1/2032 1,103.00 3,819.23 328,183.57
 Interest Withdrawal Additional
# Date Balance
Earned Amount Withdrawal
80 3/1/2032 1,093.95 3,825.60 325,451.92
81 4/1/2032 1,084.84 3,831.98 322,704.78
82 5/1/2032 1,075.68 3,838.36 319,942.10
83 6/1/2032 1,066.47 3,844.76 317,163.81
84 7/1/2032 1,057.21 3,851.17 314,369.85
85 8/1/2032 1,047.90 3,857.59 311,560.16
86 9/1/2032 1,038.53 3,864.01 308,734.68
87 10/1/2032 1,029.12 3,870.45 305,893.35
88 11/1/2032 1,019.64 3,876.91 303,036.08
89 12/1/2032 1,010.12 3,883.37 300,162.83
90 1/1/2033 1,000.54 3,889.84 297,273.53
91 2/1/2033 990.91 3,896.32 294,368.12
92 3/1/2033 981.23 3,902.82 291,446.53
93 4/1/2033 971.49 3,909.32 288,508.70
94 5/1/2033 961.70 3,915.84 285,554.56
95 6/1/2033 951.85 3,922.36 282,584.05
96 7/1/2033 941.95 3,928.90 279,597.10
97 8/1/2033 931.99 3,935.45 276,593.64
98 9/1/2033 921.98 3,942.01 273,573.61
99 10/1/2033 911.91 3,948.58 270,536.94
100 11/1/2033 901.79 3,955.16 267,483.57
101 12/1/2033 891.61 3,961.75 264,413.43
102 1/1/2034 881.38 3,968.35 261,326.46
103 2/1/2034 871.09 3,974.97 258,222.58
104 3/1/2034 860.74 3,981.59 255,101.73
105 4/1/2034 850.34 3,988.23 251,963.84
106 5/1/2034 839.88 3,994.88 248,808.84
107 6/1/2034 829.36 4,001.53 245,636.67
108 7/1/2034 818.79 4,008.20 242,447.26
109 8/1/2034 808.16 4,014.88 239,240.54
110 9/1/2034 797.47 4,021.57 236,016.44
111 10/1/2034 786.72 4,028.28 232,774.88
112 11/1/2034 775.92 4,034.99 229,515.81
113 12/1/2034 765.05 4,041.72 226,239.14
114 1/1/2035 754.13 4,048.45 222,944.82
115 2/1/2035 743.15 4,055.20 219,632.77
116 3/1/2035 732.11 4,061.96 216,302.92
117 4/1/2035 721.01 4,068.73 212,955.20
118 5/1/2035 709.85 4,075.51 209,589.54
119 6/1/2035 698.63 4,082.30 206,205.87
120 7/1/2035 687.35 4,089.11 202,804.11
121 8/1/2035 676.01 4,095.92 199,384.20
122 9/1/2035 664.61 4,102.75 195,946.06
123 10/1/2035 653.15 4,109.59 192,489.62
124 11/1/2035 641.63 4,116.43 189,014.82
125 12/1/2035 630.05 4,123.30 185,521.57
126 1/1/2036 618.41 4,130.17 182,009.81
127 2/1/2036 606.70 4,137.05 178,479.46
128 3/1/2036 594.93 4,143.95 174,930.44
129 4/1/2036 583.10 4,150.85 171,362.69
130 5/1/2036 571.21 4,157.77 167,776.13
131 6/1/2036 559.25 4,164.70 164,170.68
132 7/1/2036 547.24 4,171.64 160,546.28
133 8/1/2036 535.15 4,178.59 156,902.84
134 9/1/2036 523.01 4,185.56 153,240.29
 Interest Withdrawal Additional
# Date Balance
Earned Amount Withdrawal
135 10/1/2036 510.80 4,192.53 149,558.56
136 11/1/2036 498.53 4,199.52 145,857.57
137 12/1/2036 486.19 4,206.52 142,137.24
138 1/1/2037 473.79 4,213.53 138,397.50
139 2/1/2037 461.33 4,220.55 134,638.28
140 3/1/2037 448.79 4,227.59 130,859.48
141 4/1/2037 436.20 4,234.64 127,061.04
142 5/1/2037 423.54 4,241.69 123,242.89
143 6/1/2037 410.81 4,248.76 119,404.94
144 7/1/2037 398.02 4,255.84 115,547.12