Retirement Drawdown Calculator

Savings & Wealth

Use the Retirement Drawdown and Pension Sustainability Calculator

Project savings before retirement and inflation-adjusted withdrawals afterward to see whether the portfolio lasts through the selected planning age.

Policy-aware Accessible PDF and Excel

Accumulation and drawdown phases
Inflation-adjusted retirement cash flow
Depletion-age screening

Before you calculate

Use conservative return assumptions net of fees, and test higher inflation, longer life, and lower pension income. Review the plan regularly rather than treating one projection as a guarantee.

What this calculator covers

Inputs you can model

Currency
Current age
Planned retirement age
Plan through age
Current retirement savings
Current annual contribution
Annual contribution growth %
Pre-retirement annual return %
Annual spending at retirement
Annual pension and other income at retirement

Results you can review

Sustainable through planning age
Savings at retirement
Ending balance
Depletion age
Initial withdrawal rate
First-year spending
First-year pension and other income
First-year portfolio withdrawal
Total contributions
Total portfolio withdrawals

Method, policy basis, and limitations

How the estimate is built

Contributions grow annually before retirement. After retirement, spending increases with inflation while entered pension and other income remain nominally flat, the portfolio supplies the remaining gap, and balances earn the selected retirement return. Portfolio withdrawals are capped at funds available in each modeled year; depletion begins in the first year the full spending need cannot be funded.

Important limitation

This deterministic model does not simulate market volatility, sequence-of-returns risk, taxes, fees, pension solvency, healthcare shocks, or changes in spending. Obtain regulated financial advice for retirement decisions.

Your inputs

Enter the values you know. Required fields should be completed first, and optional fields can be left blank if they do not apply to your situation.

Preparing your input checklist Visible required fields are checked as you complete them.

Timeline

Choose a retirement age and a conservative lifespan planning horizon.

Currency Required

Current age Required Accepted range: 16 to 100.

Planned retirement age Required Accepted range: 19 to 100.

Plan through age Required Accepted range: 20 to 120.

Saving before retirement

Use annual contributions and return assumptions net of the fees you expect to pay.

Current retirement savings Required Accepted range: 0 to 1,000,000,000,000.

Current annual contribution Required Accepted range: 0 to 100,000,000,000.

Annual contribution growth % Required Accepted range: -100 to 100.

Pre-retirement annual return % Required Accepted range: -50 to 100.

Retirement income and drawdown

Separate spending from pension and other reliable income so the portfolio funds only the remaining gap.

Annual spending at retirement Required Enter spending in first-retirement-year money, not today's money. Accepted range: 0 to 100,000,000,000.

Annual pension and other income at retirement Required Accepted range: 0 to 100,000,000,000.

Annual inflation % Required Accepted range: -20 to 100.

Annual return during retirement % Required Accepted range: -50 to 100.

Calculating and validating policy inputs...

Your decision view will appear here

Run the calculator to see the planning signal, key measures, reconciliation detail, and any schedules or stress scenarios returned for these inputs.

Your results

The top cards show the most important answers first. Detailed schedules, scenario tables, and supporting notes appear underneath for deeper review.

Planning estimate

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