Withdrawal Plan
Stress-test how long a portfolio may last while you withdraw each year, with optional inflation adjustments. Compare fixed withdrawals with a percentage-of-starting-balance rule and estimate a sustainable rate.
Estimates only — not financial advice.
1Input Details
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Balance over time
How it works
How to use
- Set starting portfolio, return, horizon, and how withdrawals should grow with inflation.
- Choose either a fixed annual withdrawal amount or a percentage of the starting balance (Trinity-style first-year rule).
- Check whether the plan lasts the full horizon, any depletion year, total withdrawals, and the estimated maximum sustainable initial rate.
How it works
Each year the balance earns the stated return, then the withdrawal is subtracted. Withdrawals follow the strategy you pick, and each year’s withdrawal is multiplied by (1 + inflation) so real spending can rise over time. "Safe withdrawal rate" (binary search) is the largest initial withdrawal as a percent of starting balance that still keeps the balance non-negative through the full horizon under these assumptions.