Interactive tool / SPY
Selling SPY shares over time
Choose your starting shares or dollar amount, withdrawal, inflation and timeline.
Inputs
Starting account
Enter any share count, including fractional shares. No fixed maximum.
110,000
Converted to fractional shares at the SPY price for your selected start date. The dollar amount stays fixed when you change the start year.
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1%8%
0%6%
Suggested starting points
19942025
1 year19 years
Dividends are reinvested. Each January, enough fractional shares are sold to fund that year’s inflation-adjusted withdrawal.
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Starting account—100 shares
First-year withdrawal—4% initial · +2%/year
Ending account—— shares left
Shares remaining
Dividends add shares; orange dots mark annual sales.
SPY monthly closing prices in Canadian dollars. Dividends are reinvested using adjusted-close return data. Taxes and fees are not included.
Year by year
Shares sold and shares remaining
| Year | Year-end SPY price | Cash withdrawn | Dividend shares added | Shares sold | Shares left | Account value |
|---|