Interactive tool / SPY
Selling SPY shares over time
Choose your starting shares, withdrawal, inflation and timeline.
Inputs
101,000
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.
Loading SPY history…
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| Year | Year-end SPY price | Cash withdrawn | Dividend shares added | Shares sold | Shares left | Account value |
|---|