Retirement Withdrawal Calculator

• Compound growth means the last decade of your horizon does the heaviest lifting — start early.
• A 1% higher return assumption can double the projected value over 30+ years — be conservative.
• Inflation-adjusted (real) return is what actually determines your future purchasing power.

1. 1Enter the amount you plan to invest (one-time or monthly).
2. 2Set the expected annual return and investment horizon.
3. 3Adjust contributions, step-up, and inflation assumptions.
4. 4Review projected value, gains, and year-by-year growth.
5. 5Save or share the projection for your financial plan.

• DIY investors planning long-term growth
• Anyone starting a SIP or 401(k)/IRA contribution
• Retirees estimating a safe withdrawal rate
• Advisors modelling portfolio projections

• When starting a new SIP, 401(k) or IRA
• During annual portfolio reviews
• Before rebalancing or increasing contributions
• When planning a retirement date

• Expected annual return and volatility
• Contribution amount and frequency
• Time horizon and start age
• Inflation, taxes and fees
• Employer match (for 401(k))

• Assuming a fixed rate of return every year.
• Ignoring inflation when projecting future value.
• Not accounting for taxes on gains or distributions.

• Increase your contribution rate with each raise — even 1% compounds meaningfully.
• Stress-test your plan with a lower return assumption to see the downside.
• Always max the employer match before adding to a taxable account.

The formulas, rates and definitions used by this calculator are aligned with the following official sources:

• U.S. Securities and Exchange Commission — Investor.gov — Official compound-interest and SIP-style growth conventions.
• AMFI — Association of Mutual Funds in India — SIP, NAV and XIRR computation conventions used by Indian AMCs.
• SEBI — Securities and Exchange Board of India — Mutual-fund disclosure, expense-ratio and return-reporting rules.

We use only primary sources — regulators, standards bodies and scheme operators. See our full sourcing policy for details. Sources & References Policy · Calculator Methodology · How We Verify Formulas

We continuously review and improve our calculators to keep formulas, assumptions and references accurate.

In-depth investment guides, worked examples, and expert explainers.

• Save this retirement withdrawal calculator to compare scenarios later
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• Read our guides for deeper explanations
• Contact us with questions or corrections