Retirement Distribution Calculator
Estimate your retirement savings growth and sustainable withdrawal amounts based on current savings, contributions, and expected returns.
Published by:
isCalculator Editorial Team
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How to use this tool?
This calculator estimates your total savings at retirement and how much you can withdraw annually and monthly based on a safe withdrawal rate.
- Enter your current age (18–90) and retirement age (must be greater than current age, up to 100).
- Input your current savings (in dollars) and annual contribution you plan to add each year until retirement.
- Set your expected annual return (0%–30%) and withdrawal rate (0%–20%) — a common safe withdrawal rate is 4%.
- Click Calculate to see results.
Results: Total savings at retirement, annual withdrawal amount, and monthly withdrawal amount are displayed in dollars.
Note: All monetary values must be non-negative. The formula uses compound growth for savings and contributions, then applies the withdrawal rate to determine annual income.
Previous Results
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Frequently Asked Questions
A common rule of thumb is the 4% rule, which suggests you can withdraw 4% of your retirement savings annually without running out of money for 30 years.
The future value uses the future value of a series formula: FV = P*(1+r)^n + C*((1+r)^n - 1)/r, where P is current savings, C is annual contribution, r is annual return rate, and n is number of years.
Yes, you can adjust the withdrawal rate based on your personal risk tolerance and retirement duration. Common rates range from 3% to 5%.
