Assumptions
Portfolio
Withdrawals
— or —
%
Inflation
%
Growth & Taxes
%
%
Supplemental Income
Timeline
Preset Scenarios
Portfolio Balance Over Time
$1,000,000 portfolio · 5.0% withdrawal · 7% return · 3% inflation
Portfolio Lasts Until
Age 83
18 years of income
Years of Income
18
from retirement savings
Total Withdrawn
$0
over retirement
Final Balance
$0
at age 100
Withdrawal Rate Comparison
| Withdrawal Rate | Annual Withdrawal | Portfolio Lasts | Years of Income |
|---|
Year-by-Year Projection
| Age | Beginning Balance | Withdrawal | Growth | Ending Balance |
|---|
The Withdrawal Rate Insight: The difference between a 4% and 5% withdrawal rate can mean 10+ years of income. The 4% rule exists because historically, a diversified portfolio could sustain that rate through most market conditions — but inflation adjustment is what makes it work. Every percentage point above 4% dramatically shortens portfolio longevity, while supplemental income from Social Security and pensions can extend it by reducing the draw on invested assets.