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Updated year criteria 2026
Retirement Withdrawals Calculator
The Retirement Withdrawals Calculator estimates a date and calendar estimate for your scenario from the quantities, rates, period, units and other assumptions requested on the page. Replace the example values with your own retirement withdrawals figures and recalculate after changing an assumption. Use it to compare scenarios, then verify any current rate or fee before acting.
Calculate how many years the retirement portfolio will last if you only withdraw monthly, or how much you can withdraw monthly to keep the money for the specified period, including portfolio returns and inflation.
Retirement calculation.
Main results
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Real returns (inflation-adjusted)
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Start Port
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Annual balance (click to view)
Year
Annual
The reward.
The balance.
How to calculate a drawdown
Withdrawing money from a retirement portfolio must balance the current life and the long-term preservation of money. This calculator uses Real Return to provide accurate results.
The real return formula.
Real return = (1 + portfolio return) ÷ (1 + inflation) - 1 Example: Return 5% Inflation 3% → Real Return ≈ 1.94% per year
Finding the number of years that money can last.
Calculated by simulating annual totals: capital increases as portfolio returns subtracted by annual withdrawals (annually inflated) until totals reach 0
Frequently asked questions
What is the drawdown rate?
Drawdown Rate is the percentage of the portfolio withdrawn per year. For example, a portfolio of 5 million baht drawdown 4% = 200,000 baht/year or 16,667 baht/month. The safe withdrawal rate depends on the retirement period and the return of the portfolio.
How much is a reasonable monthly retirement?
The worldwide Safe Withdrawal Rate is based on 4% per year for retirement 30 years, but if retirement is longer or you want more security, we recommend 3-3.5% per year, which is equivalent to withdrawing portfolio 10 million baht 25,000-29,000 baht/month.
How does inflation affect retirement?
Inflation reduces the purchasing power of withdrawn money. If inflation is 3% per year, money 30,000 baht today will buy the same thing as 14,832 baht in another 23 year. Calculations using real returns (deducting inflation) will give a more accurate picture.
What should you invest in retirement?
After retirement, portfolios should be adjusted to lower risk, focusing more on debt securities, debt-aggregated funds and regular deposits. Some still invest in equities to support long-term inflation. The popular ratio is 40% equities / 60% debt securities.
Check before using results
Summary before deciding
This calculation result is suitable for preliminary planning. Actual figures should be checked from documents or official sources before making important decisions.
The calculation is based on the information you enter on this page.
Special cases may require additional information.
It is recommended to record or compare the results with the related tools below.
Disclaimer: The calculations are estimates only. Actual returns and inflation may differ. They are not financial advice.
English calculator guide
How to use the Retirement Withdrawals Calculator
Use this page to test a specific retirement withdrawals scenario. Enter your own values in the calculator above, review the units beside each field, and recalculate after changing an assumption. The result updates the retirement withdrawals estimate instead of relying on a generic example.
Build a baseline retirement withdrawals case with figures that match your situation.
Run a second retirement withdrawals case after changing the rate, period, quantity or other key assumption.
Record the difference between the two retirement withdrawals results and the input responsible for it.
Inputs for the retirement withdrawals estimate
For this retirement withdrawals calculation, check the quantities, rates, period, units and other assumptions requested on the page. The result is designed to show a date and calendar estimate for your scenario, not a guaranteed provider price or official decision.
How the retirement withdrawals result is calculated
The calculator compares the selected dates using calendar-based intervals and the date rules shown on the page. Reusing the same retirement withdrawals inputs will produce the same estimate, which makes the page suitable for controlled scenario comparisons.
Checks for a retirement withdrawals decision
Confirm any current rate, threshold or provider rule that could change the final amount. For retirement withdrawals, Use the result as a planning estimate and confirm any rate, rule or threshold that may have changed before acting. Check the important inputs and any current provider or authority rules before using the result for a decision.
Language QA
Terminology, numeric values and calculator controls checked
Review formula structure, test cases, data sources, effective dates, and risk language accordingly.How to check our · There is no claim that an outside professional reviewed it. Unless the page directly states the name and qualifications. This content is therefore not individual advice.
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