FIRE Withdrawal Calculator

See how long your nest egg lasts with withdrawals, investment returns, and inflation.

Portfolio

Withdrawal

Annual return

Inflation

Inflate withdrawalsTax on withdrawalAdditional income

Portfolio will sustain for

78 years

Withdrawing 4% of your portfolio in year one, with withdrawals rising with inflation.

Years lasting: 78
Withdrawal rate: 4%
Portfolio withdrawal year 1: $40,000.00
Monthly portfolio withdrawal: $3,333.33
Total withdrawn: $13,552,158.91
Ending balance: $0.00

At 4% a year, withdrawals outpace growth and the balance reaches zero in year 78. Trimming the withdrawal or turning off inflation raises stretches it further.

Each year the portfolio grows at your annual return, then the withdrawal comes out. Projections run up to 80 years and assume a steady return, so real markets will be bumpier.

Year-by-year start balance, growth, withdrawal, ending balance, and inflation-adjusted balance
Yr	Start	After 7%	Withdrawal	End (nominal)	Real (today's $)
1	$1,000,000.00	$1,070,000.00	$40,000.00	$1,030,000.00	$997,578.69
2	$1,030,000.00	$1,102,100.00	$41,300.00	$1,060,800.00	$995,069.44
3	$1,060,800.00	$1,135,056.00	$42,642.25	$1,092,413.75	$992,469.06
4	$1,092,413.75	$1,168,882.71	$44,028.12	$1,124,854.59	$989,774.23
5	$1,124,854.59	$1,203,594.41	$45,459.04	$1,158,135.37	$986,981.53
6	$1,158,135.37	$1,239,204.85	$46,936.46	$1,192,268.39	$984,087.40
7	$1,192,268.39	$1,275,727.18	$48,461.89	$1,227,265.29	$981,088.15
8	$1,227,265.29	$1,313,173.86	$50,036.90	$1,263,136.96	$977,979.97
9	$1,263,136.96	$1,351,556.55	$51,663.10	$1,299,893.44	$974,758.90
10	$1,299,893.44	$1,390,885.99	$53,342.15	$1,337,543.83	$971,420.85
11	$1,337,543.83	$1,431,171.90	$55,075.77	$1,376,096.13	$967,961.56
12	$1,376,096.13	$1,472,422.86	$56,865.73	$1,415,557.12	$964,376.63
13	$1,415,557.12	$1,514,646.12	$58,713.87	$1,455,932.25	$960,661.49
14	$1,455,932.25	$1,557,847.51	$60,622.07	$1,497,225.44	$956,811.42
15	$1,497,225.44	$1,602,031.22	$62,592.29	$1,539,438.93	$952,821.53
16	$1,539,438.93	$1,647,199.65	$64,626.54	$1,582,573.12	$948,686.71
17	$1,582,573.12	$1,693,353.23	$66,726.90	$1,626,626.33	$944,401.73
18	$1,626,626.33	$1,740,490.18	$68,895.53	$1,671,594.65	$939,961.11
19	$1,671,594.65	$1,788,606.28	$71,134.63	$1,717,471.65	$935,359.22
20	$1,717,471.65	$1,837,694.66	$73,446.51	$1,764,248.15	$930,590.18
21	$1,764,248.15	$1,887,745.53	$75,833.52	$1,811,912.01	$925,647.93
22	$1,811,912.01	$1,938,745.85	$78,298.11	$1,860,447.74	$920,526.19
23	$1,860,447.74	$1,990,679.09	$80,842.79	$1,909,836.29	$915,218.42
24	$1,909,836.29	$2,043,524.83	$83,470.19	$1,960,054.65	$909,717.88
25	$1,960,054.65	$2,097,258.47	$86,182.97	$2,011,075.50	$904,017.56
26	$2,011,075.50	$2,151,850.79	$88,983.91	$2,062,866.88	$898,110.21
27	$2,062,866.88	$2,207,267.56	$91,875.89	$2,115,391.67	$891,988.31
28	$2,115,391.67	$2,263,469.08	$94,861.86	$2,168,607.23	$885,644.05
29	$2,168,607.23	$2,320,409.73	$97,944.87	$2,222,464.87	$879,069.38
30	$2,222,464.87	$2,378,037.41	$101,128.08	$2,276,909.33	$872,255.92
31	$2,276,909.33	$2,436,292.98	$104,414.74	$2,331,878.25	$865,195.00
32	$2,331,878.25	$2,495,109.72	$107,808.22	$2,387,301.51	$857,877.63
33	$2,387,301.51	$2,554,412.61	$111,311.98	$2,443,100.63	$850,294.49
34	$2,443,100.63	$2,614,117.67	$114,929.62	$2,499,188.05	$842,435.94
35	$2,499,188.05	$2,674,131.21	$118,664.84	$2,555,466.38	$834,291.96
36	$2,555,466.38	$2,734,349.03	$122,521.44	$2,611,827.58	$825,852.20
37	$2,611,827.58	$2,794,655.51	$126,503.39	$2,668,152.12	$817,105.92
38	$2,668,152.12	$2,854,922.77	$130,614.75	$2,724,308.02	$808,041.97
39	$2,724,308.02	$2,915,009.58	$134,859.73	$2,780,149.85	$798,648.82
40	$2,780,149.85	$2,974,760.34	$139,242.67	$2,835,517.67	$788,914.51
41	$2,835,517.67	$3,034,003.91	$143,768.06	$2,890,235.85	$778,826.66
42	$2,890,235.85	$3,092,552.36	$148,440.52	$2,944,111.84	$768,372.42
43	$2,944,111.84	$3,150,199.67	$153,264.84	$2,996,934.84	$757,538.49
44	$2,996,934.84	$3,206,720.28	$158,245.94	$3,048,474.33	$746,311.08
45	$3,048,474.33	$3,261,867.54	$163,388.94	$3,098,478.60	$734,675.89
46	$3,098,478.60	$3,315,372.10	$168,699.08	$3,146,673.02	$722,618.11
47	$3,146,673.02	$3,366,940.14	$174,181.80	$3,192,758.34	$710,122.40
48	$3,192,758.34	$3,416,251.42	$179,842.71	$3,236,408.72	$697,172.85
49	$3,236,408.72	$3,462,957.33	$185,687.59	$3,277,269.73	$683,752.98
50	$3,277,269.73	$3,506,678.62	$191,722.44	$3,314,956.18	$669,845.70
51	$3,314,956.18	$3,547,003.11	$197,953.42	$3,349,049.69	$655,433.32
52	$3,349,049.69	$3,583,483.17	$204,386.91	$3,379,096.26	$640,497.48
53	$3,379,096.26	$3,615,633.00	$211,029.48	$3,404,603.52	$625,019.18
54	$3,404,603.52	$3,642,925.77	$217,887.94	$3,425,037.83	$608,978.72
55	$3,425,037.83	$3,664,790.48	$224,969.30	$3,439,821.18	$592,355.67
56	$3,439,821.18	$3,680,608.66	$232,280.80	$3,448,327.87	$575,128.88
57	$3,448,327.87	$3,689,710.82	$239,829.92	$3,449,880.89	$557,276.41
58	$3,449,880.89	$3,691,372.56	$247,624.40	$3,443,748.16	$538,775.56
59	$3,443,748.16	$3,684,810.53	$255,672.19	$3,429,138.34	$519,602.76
60	$3,429,138.34	$3,669,178.02	$263,981.54	$3,405,196.49	$499,733.61
61	$3,405,196.49	$3,643,560.24	$272,560.94	$3,370,999.31	$479,142.82
62	$3,370,999.31	$3,606,969.26	$281,419.17	$3,325,550.09	$457,804.18
63	$3,325,550.09	$3,558,338.60	$290,565.29	$3,267,773.31	$435,690.53
64	$3,267,773.31	$3,496,517.44	$300,008.66	$3,196,508.78	$412,773.72
65	$3,196,508.78	$3,420,264.40	$309,758.94	$3,110,505.45	$389,024.58
66	$3,110,505.45	$3,328,240.84	$319,826.11	$3,008,414.73	$364,412.89
67	$3,008,414.73	$3,219,003.76	$330,220.46	$2,888,783.30	$338,907.30
68	$2,888,783.30	$3,090,998.14	$340,952.62	$2,750,045.51	$312,475.36
69	$2,750,045.51	$2,942,548.70	$352,033.58	$2,590,515.12	$285,083.43
70	$2,590,515.12	$2,771,851.18	$363,474.67	$2,408,376.50	$256,696.63
71	$2,408,376.50	$2,576,962.86	$375,287.60	$2,201,675.26	$227,278.83
72	$2,201,675.26	$2,355,792.53	$387,484.45	$1,968,308.08	$196,792.59
73	$1,968,308.08	$2,106,089.65	$400,077.69	$1,706,011.96	$165,199.10
74	$1,706,011.96	$1,825,432.79	$413,080.22	$1,412,352.58	$132,458.14
75	$1,412,352.58	$1,511,217.26	$426,505.32	$1,084,711.94	$98,528.05
76	$1,084,711.94	$1,160,641.77	$440,366.75	$720,275.03	$63,365.63
77	$720,275.03	$770,694.28	$454,678.67	$316,015.61	$26,926.13
78	$316,015.61	$338,136.71	$469,455.72	$0.00	$0.00