Dynamic Withdrawal Calculator

The Dynamic Withdrawal Calculator helps you model a smarter approach to retirement spending — one that adjusts to how your portfolio is actually performing rather than locking you into a fixed annual draw. Instead of withdrawing the same dollar amount every year regardless of market conditions, dynamic strategies let you spend a bit more in strong years and pull back modestly in down years, which can meaningfully extend how long your money lasts. You can compare three approaches: Guardrails, which nudges your spending up or down when your portfolio drifts from its target rate; Floor and Ceiling, which sets hard minimum and maximum spending limits each year; and RMD-Style, which draws a percentage of whatever remains in your portfolio. Enter your portfolio size, base expenses, expected return, and retirement length, then toggle between strategies to see how your annual spending and end balance shift across bear, steady, and bull market scenarios.