RETIREMENT DRAWDOWN CALCULATOR

How Long Could Your Retirement Savings Last?

Estimate how long your retirement portfolio may last based on age, savings, withdrawals, expected return, inflation, and taxes.

Calculator Inputs

Current Age Starting Retirement Savings ($) Monthly Income Needed Before Tax ($) Expected Annual Return (%) Annual Inflation Increase on Withdrawals (%) Estimated Tax Rate on Withdrawals (%)

Estimated Results

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Estimated Years Savings May Last

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Estimated Age When Savings May Run Out

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Estimated First-Year Gross Withdrawal

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Estimated First-Year After-Tax Income

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Enter your assumptions and calculate your estimated drawdown.

What This Calculator Helps You Understand

💸 Withdrawal Sustainability

Estimate whether withdrawals may be too high, moderate, or sustainable.

📈 Investment Return Impact

See how expected returns may influence how long savings last.

🧾 Tax Impact

Review the difference between gross withdrawals and after-tax income.

⏳ Longevity Risk

Understand the risk of outliving retirement savings.

Need a Personalized Retirement Income Strategy?

Retirement withdrawals should be coordinated with CPP, OAS, RRSPs, RRIFs, TFSAs, pensions, taxes, investments, and estate goals.

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Educational calculator only. Personalized recommendations require a review of your full financial situation.

Know Where You Stand Before You Retire

Estimate your CPP, OAS, GIS, retirement income, and potential income gap in just a few minutes. Receive a personalized Retirement Readiness Score with practical next steps to help you retire with confidence.

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✓ Free • No Obligation • Results in Under 3 Minutes