Investment return stays constant
Every month receives the same equivalent return. There are no crashes, recoveries, or return sequences.
Withdrawal runway calculator
Estimate how long a portfolio lasts when a monthly withdrawal grows at a chosen annual rate and the remaining balance earns one constant return. The path shows when the baseline becomes fragile.
Your drawdown assumptions
The model credits one month of growth before each withdrawal. It then increases the withdrawal after every 12 months.
Estimated runwayNot calculated
Complete the assumptions to trace the path.
Start10 years20 years30 years40+ years
First-year draw rateNot calculated
Withdrawals modeledNot calculated
Balance after 10 yearsNot calculated
Path checkpoints
- Calculate to see the balance at useful intervals.
A long runway is not the same as a safe plan
This result answers one narrow question: how the balance changes under a smooth return and a scheduled withdrawal. Retirement markets are not smooth, and losses near the beginning can shorten a real withdrawal path even when the average return looks similar.
The withdrawal amount can rise
The annual increase can represent a simple inflation adjustment, but real spending changes unevenly.
Taxes and account rules stay outside the model
Taxes, fees, required distributions, healthcare shocks, and dependable income are not modeled.
Stress the result before using it
- Run a no-growth case. It shows what the withdrawals alone do to the balance.
- Lower the return. Compare the change in runway instead of trusting one midpoint.
- Raise the withdrawal increase. Test whether purchasing-power needs create pressure later.
Next, read how the order of returns changes retirement withdrawals and use a written withdrawal policy rather than treating this baseline as a recommendation.