Retirement Funding Scenario Calculator
Model annual spending after other income with equal withdrawals at year ends.
Your result
FINANCIALEnter your values and select calculate.
On this page How it works & practical examples
How to use the Retirement Funding Scenario Calculator
Model annual spending after other income with equal withdrawals at year ends. Use a real, inflation-adjusted return and spending in constant purchasing-power dollars so inflation is not counted twice.
The calculation
Worked example
$40,000 annual spending minus $10,000 other income for 30 years at 0% real return requires $900,000, leaving a $400,000 gap against $500,000 available.
Assumptions and limits
A deterministic funding scenario, not a safe withdrawal recommendation. Market sequence risk, longevity uncertainty, taxes and changing income are excluded.
Common questions
Which inputs should I use?
Model annual spending after other income with equal withdrawals at year ends. Use a real, inflation-adjusted return and spending in constant purchasing-power dollars so inflation is not counted twice.
What does the result exclude?
A deterministic funding scenario, not a safe withdrawal recommendation. Market sequence risk, longevity uncertainty, taxes and changing income are excluded.