Retirement Withdrawal Calculator

Test your withdrawal strategy using historical data, bootstrap resampling, or Monte Carlo simulations. Compare different approaches to stress-testing your retirement plan.

Your Inputs
$
%
The classic “4% rule” as a starting point
Tests every actual 30-year period from 1871-2024 using Shiller S&P 500 real returns
%
For withdrawal growth each year
â–¶ Advanced Options
years
Max simulation length
Educational: see how shares vs. value work
💡 Data Source: Historical & Bootstrap modes use S&P 500 real total returns (1871-2024) from Robert Shiller’s dataset. Monte Carlo generates synthetic returns from statistical distributions.
Learn More
🧮 The SWR Toolbox (ERN) 📖 Share Count Guide 🎬 Ben Felix: The 4% Myth 📊 Shiller Data Source
Simulation Results

Ready to Simulate

Configure your parameters and click “Run Simulation” to test your withdrawal strategy.