1. ENTER YOUR ASSUMPTIONS
$
STARTING RETIREMENT CAPITALCapital available when retirement begins
↘
DESIRED ANNUAL INCOMEFirst-year withdrawal from capital
%
ASSUMED RATE OF RETURNAverage annual return (%) — not guaranteed
↗
ANNUAL INCOME INCREASEAnnual increase in withdrawals (%)
⌛
RETIREMENT PERIODNumber of retirement years to test
💡 HOW IT WORKS
Each year, the remaining capital earns the assumed rate of return and the retirement income withdrawal is deducted. The withdrawal then increases annually by the selected income-increase rate. The calculator shows whether the capital lasts for the full retirement period.
Each year, the remaining capital earns the assumed rate of return and the retirement income withdrawal is deducted. The withdrawal then increases annually by the selected income-increase rate. The calculator shows whether the capital lasts for the full retirement period.
2. YOUR RESULTS
Your Retirement Income Sustainability
1
STARTING CAPITAL
At Retirement
🏛
capital available
at retirement
at retirement
→
2
INCOME NEEDED
First Year
💵
first-year annual
retirement income
retirement income
→
3
SUSTAINABILITY
Retirement Period
✓
◎
CAPITAL THROUGH RETIREMENT
This is an educational calculator. Results depend on the assumptions entered and do not guarantee investment performance, income sustainability, or retirement outcomes.