Retirement Withdrawal Calculator
Enter how much you need per month, rate, and years. See the balance needed to support that withdrawal (present value).
Balance needed for withdrawal
Enter values to calculate.
How it works
PV of annuity: balance needed = Pmt × [1 − (1+r)^(−n)] / r. We use presentValueAnnuityMonthly in reverse: given payment, rate, years → present value.
When to use it
Use it to find how much you need to have saved to withdraw a target amount for a set period.
Frequently asked questions
Inflation?
We use a fixed payment. For inflation-adjusted withdrawals use a lower real rate.
Same as retirement income?
That one starts from balance; this one starts from desired payment and solves for balance.