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Retirement Withdrawal Strategy Calculator

Determine how much to withdraw from each retirement account — taxable, traditional IRA, and Roth — to meet your annual income need efficiently. Useful when coordinating withdrawals across multiple account types.

Traditional IRA/401(k) Balance ($)

Roth IRA Balance ($)

Taxable Investment Accounts ($)

Annual Income Need ($)

Tax Rate on Withdrawals (%)

Fill in the required fields to see your result.

Retirement

Retirement Withdrawal Calculator

Estimate how much you can safely withdraw from your retirement portfolio each year, adjusted for inflation. Use this when planning annual spending in retirement under the 4% rule or a custom rate.

Portfolio Value ($)

Withdrawal Rate

Expected Inflation Rate (%)

Years in Retirement (years)

Fill in the required fields to see your result.

Key differences

	Retirement Withdrawal Strategy Calculator	Retirement Withdrawal Calculator
Category	Retirement	Retirement
Inputs required	5	4
Result	Recommended Annual Withdrawal ($)	Adjusted Annual Withdrawal ($)
What it does	Determine how much to withdraw from each retirement account — taxable, traditional IRA, and Roth — to meet your annual income need efficiently. Useful when coordinating withdrawals across multiple account types.	Estimate how much you can safely withdraw from your retirement portfolio each year, adjusted for inflation. Use this when planning annual spending in retirement under the 4% rule or a custom rate.