A+ Withdrawal Planner
Explore a monthly withdrawal rate and how long the modeled balance could support it.
Plan My Withdrawals
Let the account grow first, or begin withdrawals immediately.
Fixed monthly withdrawal is calculated from the balance when withdrawals begin.
Month 1 means one full modeled month passes before withdrawals begin.
How this model works: the selected withdrawal rate (3.00% by default) sets the target starting monthly withdrawal. The amount is rounded down to the nearest $50 and must first pass a 10-year modeled sustainability test. If it does not, the planner lowers it in $50 steps until it does. After each full withdrawal year, the planner tests a 10% increase; if that does not pass the next sustainability window, it tests 5%, otherwise it holds the amount. The rolling test looks ahead up to 10 years, but never beyond Year 20 of withdrawals. These are hypothetical planning tests, not guarantees.
| Year | Starting Balance | Monthly Withdrawal | Annual Withdrawals | Subscription | Illustrated Ending Balance |
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A+ Withdrawal RoadMap
Year-by-Year RoadMap
| Year | Starting Balance | Monthly Withdrawal | Annual Withdrawals | Subscription | Ending Balance |
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Educational hypothetical illustration only. Results depend on the assumptions entered and are not forecasts, guarantees, or promises. Trading and other investment strategies involve risk, including possible loss of capital. The starting withdrawal is rounded down to the nearest $50 and must pass a 10-year modeled sustainability test. After each full withdrawal year, the planner tests a 10% increase, then 5%, otherwise it holds the amount. Each annual review looks ahead up to 10 years, but never beyond Year 20 of withdrawals. Subscription charges, withdrawal timing, modeled returns, and rounding all affect the illustration.
