FC Financial Confidence
Home / Tools / Retirement Income and Withdrawal Planner
Free Beta

Retirement Income and Withdrawal Planner

Goes beyond "Do I have enough?" into "How could I use what I have?" Compares five withdrawal strategies side by side, models required minimum distributions and simplified taxes, and stress-tests one strategy against a bad first year, higher inflation, and a longer life.

Checking access…
We found saved progress on this device from a previous visit.

Before You Begin

  • This tool produces an educational estimate built on one blended return and inflation assumption applied evenly across every year — it is not a Monte Carlo simulation and does not predict what will actually happen to your investments.
  • Taxes shown here are a simplified approximation using flat rates you provide, not a real tax projection. Talk with a tax professional before making withdrawal decisions.
  • This tool never tells you which strategy to pick. It shows several side by side so you can bring the comparison to a conversation with a professional.
  • Everything you enter stays in your own browser on this device. We don't send it to a server or store it on our end. Closing your browser's site data, or using "Clear my data" below, permanently deletes it.

1Basic Info

2Guaranteed Income

We assume each of these grows with your inflation assumption once it starts, approximating a cost-of-living adjustment.

$
$
$

3Account Balances

$
%
$
$

4Spending Goals

$
$

Used by the Essential vs. Discretionary strategy below. The other strategies use your account balances and the rates you set in the next sections.

5Assumptions

%
%
%
%

6Strategy Parameters

%
%
$

7Stress Test

Choose one strategy to stress-test against a weak first year, higher inflation, and a longer life.

pts
pts
years

This tool provides general educational estimates, not a retirement income projection, a tax return, or personalized financial, tax, or legal advice. It does not replace a conversation with a qualified professional. Read our full disclaimer →

Your Results

Fill in what you have above, then select "Compare My Withdrawal Strategies" to see your results.