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How long will your portfolio last? Use the 4% rule (withdraw 4% of initial balance, adjust for inflation) or a fixed dollar amount. See a year-by-year projection.
Years Until Depleted
52
Annual Withdrawal (Year 1)
$40,000
Monthly (Year 1)
$3,333.33
A $1,000,000 portfolio with 4% initial withdrawal ($40,000/year), 6% return, and 2.5% inflation lasts approximately 52 years.
Source: FinCalc server-rendered example using the same formulas as the interactive calculator.
Years Until Depleted
52
Monthly Withdrawal (Year 1)
$3,333.33
Annual Withdrawal (Year 1)
$40,000
Effective Withdrawal Rate
4.00%
| Year | Start Balance | Withdrawal | End Balance |
|---|---|---|---|
| 1 | $1,000,000 | $40,000 | $1,017,600 |
| 2 | $1,017,600 | $41,000 | $1,035,196 |
| 3 | $1,035,196 | $42,025 | $1,052,761.26 |
| 4 | $1,052,761.26 | $43,075.62 | $1,070,266.77 |
| 5 | $1,070,266.77 | $44,152.52 | $1,087,681.11 |
| 6 | $1,087,681.11 | $45,256.33 | $1,104,970.27 |
| 7 | $1,104,970.27 | $46,387.74 | $1,122,097.49 |
| 8 | $1,122,097.49 | $47,547.43 | $1,139,023.06 |
| 9 | $1,139,023.06 | $48,736.12 | $1,155,704.16 |
| 10 | $1,155,704.16 | $49,954.52 | $1,172,094.62 |
| 11 | $1,172,094.62 | $51,203.38 | $1,188,144.71 |
| 12 | $1,188,144.71 | $52,483.47 | $1,203,800.92 |
| 13 | $1,203,800.92 | $53,795.55 | $1,219,005.69 |
| 14 | $1,219,005.69 | $55,140.44 | $1,233,697.16 |
| 15 | $1,233,697.16 | $56,518.95 | $1,247,808.9 |
FinCalc AI
FinCalc AI
Suggested questions:
The Trinity Study showed that withdrawing 4% of your portfolio in year one, then adjusting that dollar amount for inflation each year, had a high success rate over 30-year retirements. We project your balance year by year: start balance minus withdrawal, plus growth. The portfolio is depleted when balance reaches zero.
Lower withdrawal rates (3–3.5%) improve safety for longer horizons. This calculator uses deterministic projections; actual returns vary, so treat results as planning estimates.
Data and assumptions align with official publications. For verification and current figures:
The 4% rule (Trinity Study) suggests withdrawing 4% of your portfolio in year one, then adjusting that dollar amount for inflation each year. Historically this had a high success rate over 30 years. Many use 3–3.5% for longer retirements or more caution.
It depends on your withdrawal rate, investment return, and inflation. At 4% initial withdrawal with 6% return and 2.5% inflation, a $1M portfolio often lasts 30+ years. Use the calculator to see a year-by-year projection for your assumptions.
The 4% rule uses a percentage of initial balance, inflated each year—predictable and historically sustainable. A fixed dollar amount is simpler but may deplete the portfolio sooner if returns are low. The calculator supports both.
It depends on withdrawal rate, investment return, and inflation. At 4% initial withdrawal with 6% return and 2.5% inflation, $1M often lasts 30+ years. At 5% withdrawal, the risk of depletion rises. Use the calculator with your balance, desired income, and assumptions for a year-by-year projection.
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