Portfolio Withdrawal Simulator

The Portfolio Withdrawal Simulator shows you what actually happens to your nest egg once you stop contributing and start living off it. You enter your starting portfolio, annual withdrawal amount, expected return, and inflation rate, and the calculator projects your balance year by year through retirement, accounting for withdrawals that grow with inflation and returns that compound on what's left. The output is a clear trajectory line showing whether your money lasts, runs out early, or grows despite withdrawals. It's the practical companion to the Safe Withdrawal Rate calculator: SWR tells you the rule of thumb, but the simulator lets you pressure-test your specific numbers against real-world variables like a bigger spending year, a lower-return decade, or higher-than-expected inflation. The question it answers is the one every near-retiree actually loses sleep over: "If I pull this much out every year, when does the money run out?"