FINANCEVELIX / Investment calculators
Retirement withdrawal simulator
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Constant return · Your return order · Lowest returns first
Required monthly contribution · Before retirement
Target is in today’s purchasing power. Equal deposits are made at each month end. Annual return and fee are effective rates, applied monthly. Taxes and changing returns are excluded.
Save before retirement, withdraw after
Contribute at each year start, then apply return and fee. After retirement, withdraw at each year start with inflation adjustments; no further contributions. Inflation and fees stay the same throughout.
Constant return · Today’s purchasing power · USD
Enter your assumptions, then select Calculate.
Retirement withdrawal simulator
Use the same currency for every price, fee and amount. Changing this label does not convert values.
Enter your assumptions, then select Calculate.
Withdrawal cash-flow comparison
Each method uses the selected return sequence. Percentage withdrawals use the balance after contributions and can fall to zero; they do not guarantee a living income.
- Inflation-adjusted amount: W × (1 + i)^(y − 1)
- Fixed nominal amount: W
- Percentage of available balance: (B[y−1] + C) × p / 100
W = First-year annual withdrawal; p = Annual withdrawal percentage (%); C = Annual contribution; B = Future amount · nominal value; i = Assumed annual price inflation (%) ÷ 100; y = Year
Annual withdrawals in today’s money: Paid withdrawal ÷ (1 + i)^(y − 1)
Enter your assumptions, then select Calculate.