Inputs are entered in USD; results convert using live exchange rates.
Personal Details
Used to determine when Required Minimum Distributions (RMDs) begin, if you select a Traditional/SEP retirement account below.
Affects the income thresholds used to determine how much of Social Security is taxable, if enabled below.
Starting Position
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$
$
$
%
Taxable bucket uses the Capital Gains rate set below under Tax Jurisdiction. Withdrawals draw in a conventional order — Taxable first, then Traditional, then Roth last — with RMDs from the Traditional bucket enforced as a minimum regardless of this order. Windfalls always land in the Taxable bucket; ongoing contributions go to whichever account you select below.
20 yr
Growth & Inflation
9.0%
3.0%
Annual Drag Fee
An ongoing annual cost that reduces your return before it compounds — a fund's expense ratio, an advisor's AUM management fee, or any other recurring cost. Choose "No Drag" for a concentrated stock position with no fund or advisory layer.
%
Tax Jurisdiction
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Traditional/SEP withdrawals — including RMDs — are taxed as ordinary income on the full amount, not capital gains on just the gain. This is typically your marginal tax bracket in retirement, which may differ from your current bracket.
Loading tax rate…
This calculator models capital gains tax at liquidation only. It doesn't separately model dividend income — if your actual holdings pay dividends, some tax schemes treat dividend income differently than capital gains (sometimes at a higher rate, taxed annually rather than deferred), which could mean somewhat higher real-world taxes than shown here depending on your specific portfolio composition.
Ongoing Contributions
Each contribution applies at the start of every year within its range, then grows with the rest of the portfolio. Add more than one if you're contributing to multiple accounts — e.g. $6,000/year to an IRA and $10,000/year to a taxable brokerage.
Annual Withdrawals
$
4.0%
4.0% of starting balance
One-Off Windfalls
For Inheritance, this models the 5 states with a heir-side inheritance tax. It does not model federal or state estate tax, which is paid by the estate itself before distribution (2026: $15M exemption per individual / $30M per married couple federally, 40% above that; 12 states + DC have their own separate, much lower estate tax thresholds). If you're entering a large inheritance, make sure the amount you enter already reflects what you'd actually receive after any estate-level tax.
Large Purchases / Planned Expenses
Supplemental Income
$
Use the "full retirement age" figure from your Social Security statement — this tool applies the early/delayed adjustment itself based on the Start Age below.
Don't know your estimate? Check your projected benefit at secure.ssa.gov/RIL/SiView.action (sign in or create a free my Social Security account).
$
Most civilian pensions pay a fixed nominal amount with no cost-of-living adjustment — leave this unchecked unless yours specifically includes one (some government and military pensions do).
Select your Country Tax Scheme above to unlock the calculator.
Final Nominal
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Run to calculate
Final After-Tax
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Real Purchasing Power
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Rule of 72
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—MoreDoubling of initial balance is in nominal value and does not reflect real purchasing power after inflation.
Run the calculator to see how long your portfolio lasts at this withdrawal rate.