Linear Analysis: This calculator projects your asset balance year-by-year using fixed assumptions for returns, withdrawals, and inflation. While real-world returns vary, this linear approach clearly illustrates the fundamental math of asset depletion and helps identify the "crossover year" when assets reach zero.
Drawdown Parameters
Total portfolio entering retirement
Year-one withdrawal amount
Yes
No
Annual increase in withdrawals
Annual return during retirement
Effective tax rate on distributions
How many years to project
Crossover Year (Assets Depleted)
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Initial Withdrawal Rate
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Total Withdrawn
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Total Growth Earned
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Total Taxes Paid
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Asset Depletion Curve
Scenario Comparison
Compare the impact of different withdrawal rates and inflation adjustments.
Year-by-Year Drawdown Schedule
Year
Beginning Balance
Gross Withdrawal
Taxes
Net Income
Investment Growth
Ending Balance
Disclaimer. Third-party product names and methodology names are the property of their respective owners. Reference does not imply endorsement or affiliation. This tool is the work product of Nate Cocco; the analysis is reviewed by Nate before any client recommendation.