Spending Calculator
You've retired — but how much can you withdraw each month without running out?
Every other withdrawal tool either hands you a one-size-fits-all rule or buries you in complexity. But your number isn't generic — it depends on your savings, your age, and your life.
Our algorithm calculates a precise, personalized monthly withdrawal amount from just a few numbers you already know. No spreadsheets. No guesswork. No "4% rule."
Other tools give you a generic rule. We give you your specific number.
Your age, net worth, and life expectancy. We pre-fill investment return and inflation with industry standard defaults.
Toggle on a partner and enter their details. A built-in survivor adjustment handles the rest.
See how much you can withdraw each month in today's dollars — plus a reduced survivor amount if you added a partner.