Retirement Withdrawal Guardrails Calculator
Set clear investment-balance levels for cutting or raising retirement spending.
Retirement spending limits
Set clear points for cutting or raising spending when your investment balance changes.
Starting annual spend
$40,000
Cut trigger below
$833,333
Raise trigger above
$1,250,000
Reduced annual spend
$36,000
Increased annual spend
$44,000
This worksheet shows when your rules would call for a change. It does not test the rules against past markets. Decide how often you will review the plan and how you will handle inflation.
How to use this estimate
A flexible spending plan uses rules instead of raising spending automatically every year. This worksheet shows when your rules would call for a cut or an increase.