ADP - Choosing Your Annual Withdrawal Rate (Calculator)

Choosing Your Annual Withdrawal Rate

One of the most critical decisions faced by retirees when mapping out a retirement income plan is how much to withdraw from savings each year in retirement. Too high a rate and you risk outliving your savings. Too low a rate and you may not have enough to make ends meet.

To see how different withdrawal rates will impact your annual income and portfolio balance, fill in the information below, then click Submit. Go to disclosures

How much pre-tax income do you expect to need in your first year of retirement?

What is your estimated annual income from Social Security and inflation-indexed pensions?

What is your estimated annual income from pension benefits and other income sources that are not indexed to inflation?

What is your estimated personal savings at retirement?

Which annual rate of return do you expect to earn on your investments after retirement?

Which annual withdrawal rate would you be most comfortable with?

Calculator is owned and provided by SS&C. SS&C is not affiliated with this site's sponsor, owner or any affiliate thereof. The calculator is provided for educational purposes only. Any results generated by a calculator are not representative of any index or fund, are hypothetical, and are not guaranteed. It does not serve, either directly or indirectly, as legal, financial or tax advice. You should always consult with your financial planner, attorney and/or tax advisor as needed.

Users should verify the appropriateness of any assumptions used and, if applicable, modify these assumptions for their individual situation. The output provided depends upon the completeness and the accuracy of the information and assumptions that the user provides. Users should verify the accuracy of all information that they incorporate into their use of the calculator. Assumptions about projected current and future income and expense estimates, are inherently uncertain and introduce uncertainty in the calculations that the tool performs. Even small changes in these inputs and assumptions may have a significant impact on the calculator's derived results.

ADP is not responsible for the completeness, accuracy, and appropriateness of the information and assumptions provided by any user. In making this and other calculators available for your use on this Website, ADP makes no recommendation regarding the appropriateness of any contribution amount or type, withdrawal or withdrawal rate, loan, or asset allocation. ADP, the ADP logo are trademarks of ADP, Inc. All other trademarks and service marks are the property of their respective owners. Copyright © 2025 ADP, Inc. ALL RIGHTS RESERVED.

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