Withdrawal Strategy

Use this tool to test how a portfolio might behave when money is being withdrawn over time. It can help you think about spending pace, sustainability, and how sensitive a plan may be to return assumptions. It is most useful as a first reality check, after which you should compare several withdrawal rates rather than trusting one scenario.

Portfolio sizeWithdrawal rate %Expected return %Inflation %Years

Advanced settings

All-in annual drag % (fees)Tax drag %/year (approx)ModelVolatility % (annual)Simulations

Yearly breakdown (CSV)

Assumptions

Deterministic scenario with constant annual return and inflation.
Withdrawals increase with inflation (spending kept constant in today’s money).
Does not model market volatility or sequence-of-returns risk.
Net return is approximated as (return − drag − tax drag).
Monte Carlo uses a lognormal return model. Volatility is an annual standard deviation of returns; results are ranges, not a promise.