Retirement Portfolio Calculator

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Parameters

Starting Portfolio

Annual Expenses (withdrawals)

$/ yr

Other Income (pension, Social Security, etc.)

Offsets portfolio withdrawals

$/ yr

Expected Annual Return

Market Volatility (std. dev.)

% custom

Time Horizon

years

Outcome Summary

Probability of success

95%

954 of 1,000 simulations survived 20 years

Yr 5

100%

Yr 10

100%

Yr 15

99%

Yr 20

95%

Withdrawal Rate6.0% ⚠ elevated

Median final portfolio$1,263,580

Best-case final (90th pct.)$3,607,755

Worst-case final (10th pct.)$198,581

Annual expenses$30,000

Net portfolio draw / yr$30,000

Total net drawn (20 yrs)$600,000

Portfolio Value Over Time — Confidence Bands

Shaded regions show the spread across all simulations. Darker band = 25th–75th percentile (middle 50%). Lighter band = 10th–90th percentile (middle 80%).

P10 – P90 (80% of outcomes)P25 – P75 (middle 50%)MedianDepleted ($0)