Calculators Suite


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Choosing Your Annual Withdrawal Rate

One of the most critical decisions faced by retirees when mapping out a retirement income plan is how much to withdraw from savings each year in retirement. Too high a rate and you risk outliving your savings. Too low a rate and you may not have enough to make ends meet.

To see how different withdrawal rates will impact your annual income and portfolio balance, fill in the information below, then click Submit.




How much pre-tax income do you expect to need in your first year of retirement?

$

What is your estimated annual income from Social Security and inflation-indexed pensions?

$

What is your estimated annual income from pension benefits and other income sources that are not indexed to inflation?

$

What is your estimated personal savings at retirement?

$

Which annual rate of return do you expect to earn on your investments after retirement?


Which annual withdrawal rate would you be most comfortable with?