Retirement Withdrawal Planner
Model portfolio withdrawals with starting balance, expected return, inflation-linked spending, and optional fixed horizon — see balance path and failure years.
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Decumulation
Withdrawal policy
Constant-percent withdrawals are taken from the prior year-end balance; fixed withdrawals grow with inflation. Returns are deterministic net of optional fee drag.
Advanced mode
Subtract a flat annual fee drag from the return.
Results
Trajectory
Ending balance (illustrative)
LKR 1,244,886.35
Depleted by year
Not in window
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Perspective
Sequence of returns matters in the first decade
Constant-return models understate risk; early bad returns can permanently impair a portfolio.
Use this as a starting point for discussion, not a guarantee of outcomes.
FAQ
Common questions
Is the 4% rule used here?
You choose withdrawal and inflation assumptions. The 4% rule is one possible starting heuristic, not a universal truth.
Does this include taxes?
Not unless you model after-tax spending explicitly in the withdrawal amount.
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