Retirement withdrawal calculators
Required distributions, penalty-free early access, and how long a portfolio lasts at a given withdrawal.
- Required minimum distribution (RMD)Starts at 73
- Inherited IRA RMD10-year rule
- 72(t) early withdrawals (SEPP)Up to 5.54%
- 401(k) early withdrawal10% under 59½
- Rule of 55Age 55 (50 safety)
- Retirement withdrawal: how long it lastsYears to $0
- 4 percent rule25× spending
- Safe withdrawal rateStress-test year 1
RMD Calculator: Enter your birth year and last year-end balance to get this year's required minimum distribution and the divisors for the years ahead.
Inherited IRA RMD Calculator: Find out whether you owe a yearly distribution from an inherited IRA in 2026, how much, and the year the account has to be empty.
72(t) Calculator: See how much a substantially equal periodic payment plan lets you take each year from an IRA before 59½ without the 10% early-withdrawal tax.
401(k) Early Withdrawal Calculator: Find out what's left of an early 401(k) or IRA withdrawal once income tax and the 10% penalty are taken out.
Rule of 55 Calculator: Check whether leaving your job lets you take 401(k) money without the 10% penalty, and what the withdrawal costs in tax.
Retirement Withdrawal Calculator: Enter your savings and yearly withdrawal to see how long the money lasts when withdrawals rise with inflation.
4 Percent Rule Calculator: Turn your yearly spending into a savings target, or see what the 4 percent rule lets you withdraw from what you have.
Safe Withdrawal Rate Calculator: Find the steady, inflation-adjusted withdrawal your portfolio can support for the years you need, and test a bad first year.
Other calculators
- Roth and IRA
- Self-employed and small business
- Social Security, Medicare and HSA
- TSP, FERS and military
- Brackets and investment tax
- State income tax
- State capital gains tax
- State estimated tax
- State 529 tax deductions
- State estate and inheritance tax
- I bonds, T-bills and ladders
- FIRE and early retirement
- Lump sums and payoffs