Back to Free Tools
FREE TOOLS
Retirement Withdrawal Projection
Project a fixed-return fund with annual inflation-adjusted withdrawals and show any shortfall.
Initial retirement capital, First annual withdrawal, Assumed annual return (%), Annual withdrawal increase (%), Projection years
JSON
Browser only
Runs locally in your browser. Your files, pasted content and generated output are not uploaded. Reset clears this tool’s working data.
This tool needs JavaScript. If it does not load, refresh the page and try again.
How to use this tool
- Enter the labelled values using the displayed units and explicit assumptions.
- Choose Calculate result and review the complete report and any undefined or no-solution states.
- Choose Download result to save the complete JSON. Reset clears the result and restores example controls.
Examples
Initial retirement capital: 300000
First annual withdrawal: 20000
Assumed annual return (%): 4
Annual withdrawal increase (%): 2
Projection years: 30
Limitations
- Initial capital/first annual withdrawal nonnegative;constant annual return>-100% to100%,withdrawal increase>-100% to100%,whole years1–100. Return applied before each end-year withdrawal;withdrawal capped at available balance and shortfall retained. Also solve initial capital needed for the exact entered withdrawal stream. No mortality,tax,market-risk or safe-withdrawal-rate recommendation. Supported annual percentage lower bound is-99.999999999;nonfinite/underflow-derived reports refuse.
- Scalar controls accept explicit finite decimal syntax;positive values normally1e-12–1e12,nonnegative0–1e12 unless a narrower range is stated. JSON numeric rows use finite IEEE754 values within their stated bounds. Derived counts above1billion and nonfinite results refuse. Combined input<=400000UTF8 bytes;complete JSON<=4MiB. All processing stays in your browser.
Related tools
No items found.