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Portfolio Amount ($) $ 541,998.86 portfolio balance at retirement
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Return on Portfolio (%)
4.00%input average annual return on investment
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Number of Years30input number of years you want to withdraw from
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Inflation Rate (%)2.00%Input yearly inflation rate (enter 0% to omit)
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Adjustments ($)$0.00 use for goal seek, should be $0 by default.
Read my blog post for more details on how to calculate portfolio balance to achieve desired monthly payout.
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Withdrawal per month$2,000.00
amount you can withdraw each month
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Enabling macro is not necessary, but is recommened for a more useful experience. For more in depth explanation, please visit my blogpost:
https://sgworkingadult.blogspot.com/2021/09/retirement-portfolio-withdrawal-excel.html
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Full Mapping
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YearAnnual_WithdrawalPortfolio Balance at Year End< Click here to refresh the pivot table and chartStarting YearStarting BalanceAnnual Return on InvestmentOne-time withdrawal
(enter negative amount)		Annual WithdrawalTotal WithdrawalFinal Balance
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1 $ 24,000.00 $ 539,678.82 1 $ 541,998.86 $ 21,679.95 $ - $ (24,000.00) $ 24,000.00 $ 539,678.82
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2 $ 24,480.00 $ 536,785.97 2 $ 539,678.82 $ 21,587.15 $ - $ (24,480.00) $ 24,480.00 $ 536,785.97
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3 $ 24,969.60 $ 533,287.81 3 $ 536,785.97 $ 21,471.44 $ - $ (24,969.60) $ 24,969.60 $ 533,287.81
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4 $ 25,468.99 $ 529,150.33 4 $ 533,287.81 $ 21,331.51 $ - $ (25,468.99) $ 25,468.99 $ 529,150.33
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5 $ 25,978.37 $ 524,337.97 5 $ 529,150.33 $ 21,166.01 $ - $ (25,978.37) $ 25,978.37 $ 524,337.97
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6 $ 26,497.94 $ 518,813.55 6 $ 524,337.97 $ 20,973.52 $ - $ (26,497.94) $ 26,497.94 $ 518,813.55
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7 $ 27,027.90 $ 512,538.19 7 $ 518,813.55 $ 20,752.54 $ - $ (27,027.90) $ 27,027.90 $ 512,538.19
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8 $ 27,568.46 $ 505,471.26 8 $ 512,538.19 $ 20,501.53 $ - $ (27,568.46) $ 27,568.46 $ 505,471.26
19
9 $ 28,119.83 $ 497,570.29 9 $ 505,471.26 $ 20,218.85 $ - $ (28,119.83) $ 28,119.83 $ 497,570.29
20
10 $ 28,682.22 $ 488,790.88 10 $ 497,570.29 $ 19,902.81 $ - $ (28,682.22) $ 28,682.22 $ 488,790.88
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11 $ 29,255.87 $ 479,086.65 11 $ 488,790.88 $ 19,551.64 $ - $ (29,255.87) $ 29,255.87 $ 479,086.65
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12 $ 29,840.98 $ 468,409.13 12 $ 479,086.65 $ 19,163.47 $ - $ (29,840.98) $ 29,840.98 $ 468,409.13
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13 $ 30,437.80 $ 456,707.69 13 $ 468,409.13 $ 18,736.37 $ - $ (30,437.80) $ 30,437.80 $ 456,707.69
24
14 $ 31,046.56 $ 443,929.44 14 $ 456,707.69 $ 18,268.31 $ - $ (31,046.56) $ 31,046.56 $ 443,929.44
25
15 $ 31,667.49 $ 430,019.13 15 $ 443,929.44 $ 17,757.18 $ - $ (31,667.49) $ 31,667.49 $ 430,019.13
26
16 $ 32,300.84 $ 414,919.05 16 $ 430,019.13 $ 17,200.77 $ - $ (32,300.84) $ 32,300.84 $ 414,919.05
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17 $ 32,946.86 $ 398,568.96 17 $ 414,919.05 $ 16,596.76 $ - $ (32,946.86) $ 32,946.86 $ 398,568.96
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18 $ 33,605.79 $ 380,905.92 18 $ 398,568.96 $ 15,942.76 $ - $ (33,605.79) $ 33,605.79 $ 380,905.92
29
19 $ 34,277.91 $ 361,864.25 19 $ 380,905.92 $ 15,236.24 $ - $ (34,277.91) $ 34,277.91 $ 361,864.25
30
20 $ 34,963.47 $ 341,375.35 20 $ 361,864.25 $ 14,474.57 $ - $ (34,963.47) $ 34,963.47 $ 341,375.35
31
21 $ 35,662.74 $ 319,367.63 21 $ 341,375.35 $ 13,655.01 $ - $ (35,662.74) $ 35,662.74 $ 319,367.63
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22 $ 36,375.99 $ 295,766.34 22 $ 319,367.63 $ 12,774.71 $ - $ (36,375.99) $ 36,375.99 $ 295,766.34
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23 $ 37,103.51 $ 270,493.48 23 $ 295,766.34 $ 11,830.65 $ - $ (37,103.51) $ 37,103.51 $ 270,493.48
34
24 $ 37,845.58 $ 243,467.64 24 $ 270,493.48 $ 10,819.74 $ - $ (37,845.58) $ 37,845.58 $ 243,467.64
35
25 $ 38,602.49 $ 214,603.85 25 $ 243,467.64 $ 9,738.71 $ - $ (38,602.49) $ 38,602.49 $ 214,603.85
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26 $ 39,374.54 $ 183,813.46 26 $ 214,603.85 $ 8,584.15 $ - $ (39,374.54) $ 39,374.54 $ 183,813.46
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27 $ 40,162.03 $ 151,003.97 27 $ 183,813.46 $ 7,352.54 $ - $ (40,162.03) $ 40,162.03 $ 151,003.97
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28 $ 40,965.28 $ 116,078.85 28 $ 151,003.97 $ 6,040.16 $ - $ (40,965.28) $ 40,965.28 $ 116,078.85
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29 $ 41,784.58 $ 78,937.42 29 $ 116,078.85 $ 4,643.15 $ - $ (41,784.58) $ 41,784.58 $ 78,937.42
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30 $ 42,620.27 $ 39,474.65 30 $ 78,937.42 $ 3,157.50 $ - $ (42,620.27) $ 42,620.27 $ 39,474.65
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31 $ 39,474.65 $ 1,578.99 $ - $ (43,472.68) $ 43,472.68 $ (2,419.05)
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32 $ (2,419.05) $ (96.76) $ - $ (44,342.13) $ 44,342.13 $ (46,857.94)
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33 $ (46,857.94) $ (1,874.32) $ - $ (45,228.97) $ 45,228.97 $ (93,961.23)
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34 $ (93,961.23) $ (3,758.45) $ - $ (46,133.55) $ 46,133.55 $ (143,853.23)
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35 $ (143,853.23) $ (5,754.13) $ - $ (47,056.22) $ 47,056.22 $ (196,663.59)
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36 $ (196,663.59) $ (7,866.54) $ - $ (47,997.35) $ 47,997.35 $ (252,527.48)
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37 $ (252,527.48) $ (10,101.10) $ - $ (48,957.30) $ 48,957.30 $ (311,585.88)
48
38 $ (311,585.88) $ (12,463.44) $ - $ (49,936.44) $ 49,936.44 $ (373,985.75)
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39 $ (373,985.75) $ (14,959.43) $ - $ (50,935.17) $ 50,935.17 $ (439,880.35)
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40 $ (439,880.35) $ (17,595.21) $ - $ (51,953.87) $ 51,953.87 $ (509,429.44)
51
41 $ (509,429.44) $ (20,377.18) $ - $ (52,992.95) $ 52,992.95 $ (582,799.57)
52
42 $ (582,799.57) $ (23,311.98) $ - $ (54,052.81) $ 54,052.81 $ (660,164.37)
53
43 $ (660,164.37) $ (26,406.57) $ - $ (55,133.87) $ 55,133.87 $ (741,704.81)
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44 $ (741,704.81) $ (29,668.19) $ - $ (56,236.54) $ 56,236.54 $ (827,609.55)
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45 $ (827,609.55) $ (33,104.38) $ - $ (57,361.28) $ 57,361.28 $ (918,075.20)
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46 $ (918,075.20) $ (36,723.01) $ - $ (58,508.50) $ 58,508.50 $ (1,013,306.71)
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47 $ (1,013,306.71) $ (40,532.27) $ - $ (59,678.67) $ 59,678.67 $ (1,113,517.65)
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48 $ (1,113,517.65) $ (44,540.71) $ - $ (60,872.24) $ 60,872.24 $ (1,218,930.60)
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49 $ (1,218,930.60) $ (48,757.22) $ - $ (62,089.69) $ 62,089.69 $ (1,329,777.52)
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50 $ (1,329,777.52) $ (53,191.10) $ - $ (63,331.48) $ 63,331.48 $ (1,446,300.10)
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51 $ (1,446,300.10) $ (57,852.00) $ - $ (64,598.11) $ 64,598.11 $ (1,568,750.22)
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52 $ (1,568,750.22) $ (62,750.01) $ - $ (65,890.07) $ 65,890.07 $ (1,697,390.30)
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53 $ (1,697,390.30) $ (67,895.61) $ - $ (67,207.88) $ 67,207.88 $ (1,832,493.79)
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54 $ (1,832,493.79) $ (73,299.75) $ - $ (68,552.03) $ 68,552.03 $ (1,974,345.57)
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55 $ (1,974,345.57) $ (78,973.82) $ - $ (69,923.07) $ 69,923.07 $ (2,123,242.47)
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56 $ (2,123,242.47) $ (84,929.70) $ - $ (71,321.54) $ 71,321.54 $ (2,279,493.71)
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57 $ (2,279,493.71) $ (91,179.75) $ - $ (72,747.97) $ 72,747.97 $ (2,443,421.42)
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58 $ (2,443,421.42) $ (97,736.86) $ - $ (74,202.93) $ 74,202.93 $ (2,615,361.20)
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59 $ (2,615,361.20) $ (104,614.45) $ - $ (75,686.98) $ 75,686.98 $ (2,795,662.64)
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60 $ (2,795,662.64) $ (111,826.51) $ - $ (77,200.72) $ 77,200.72 $ (2,984,689.87)
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61 $ (2,984,689.87) $ (119,387.59) $ - $ (78,744.74) $ 78,744.74 $ (3,182,822.20)
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62 $ (3,182,822.20) $ (127,312.89) $ - $ (80,319.63) $ 80,319.63 $ (3,390,454.72)
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63 $ (3,390,454.72) $ (135,618.19) $ - $ (81,926.03) $ 81,926.03 $ (3,607,998.94)
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64 $ (3,607,998.94) $ (144,319.96) $ - $ (83,564.55) $ 83,564.55 $ (3,835,883.44)
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65 $ (3,835,883.44) $ (153,435.34) $ - $ (85,235.84) $ 85,235.84 $ (4,074,554.62)
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66 $ (4,074,554.62) $ (162,982.18) $ - $ (86,940.55) $ 86,940.55 $ (4,324,477.36)
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67 $ (4,324,477.36) $ (172,979.09) $ - $ (88,679.37) $ 88,679.37 $ (4,586,135.82)
78
68 $ (4,586,135.82) $ (183,445.43) $ - $ (90,452.95) $ 90,452.95 $ (4,860,034.20)
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69 $ (4,860,034.20) $ (194,401.37) $ - $ (92,262.01) $ 92,262.01 $ (5,146,697.58)
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70 $ (5,146,697.58) $ (205,867.90) $ - $ (94,107.25) $ 94,107.25 $ (5,446,672.74)
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71 $ (5,446,672.74) $ (217,866.91) $ - $ (95,989.40) $ 95,989.40 $ (5,760,529.04)
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72 $ (5,760,529.04) $ (230,421.16) $ - $ (97,909.19) $ 97,909.19 $ (6,088,859.39)
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73 $ (6,088,859.39) $ (243,554.38) $ - $ (99,867.37) $ 99,867.37 $ (6,432,281.14)
84
74 $ (6,432,281.14) $ (257,291.25) $ - $ (101,864.72) $ 101,864.72 $ (6,791,437.10)
85
75 $ (6,791,437.10) $ (271,657.48) $ - $ (103,902.01) $ 103,902.01 $ (7,166,996.59)
86
76 $ (7,166,996.59) $ (286,679.86) $ - $ (105,980.05) $ 105,980.05 $ (7,559,656.51)
87
77 $ (7,559,656.51) $ (302,386.26) $ - $ (108,099.65) $ 108,099.65 $ (7,970,142.42)
88
78 $ (7,970,142.42) $ (318,805.70) $ - $ (110,261.64) $ 110,261.64 $ (8,399,209.76)
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79 $ (8,399,209.76) $ (335,968.39) $ - $ (112,466.88) $ 112,466.88 $ (8,847,645.03)
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80 $ (8,847,645.03) $ (353,905.80) $ - $ (114,716.22) $ 114,716.22 $ (9,316,267.05)
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81 $ (9,316,267.05) $ (372,650.68) $ - $ (117,010.54) $ 117,010.54 $ (9,805,928.27)
92
82 $ (9,805,928.27) $ (392,237.13) $ - $ (119,350.75) $ 119,350.75 $ (10,317,516.15)
93
83 $ (10,317,516.15) $ (412,700.65) $ - $ (121,737.77) $ 121,737.77 $ (10,851,954.56)
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84 $ (10,851,954.56) $ (434,078.18) $ - $ (124,172.52) $ 124,172.52 $ (11,410,205.26)
95
85 $ (11,410,205.26) $ (456,408.21) $ - $ (126,655.97) $ 126,655.97 $ (11,993,269.45)
96
86 $ (11,993,269.45) $ (479,730.78) $ - $ (129,189.09) $ 129,189.09 $ (12,602,189.31)
97
87 $ (12,602,189.31) $ (504,087.57) $ - $ (131,772.87) $ 131,772.87 $ (13,238,049.76)
98
88 $ (13,238,049.76) $ (529,521.99) $ - $ (134,408.33) $ 134,408.33 $ (13,901,980.08)
99
89 $ (13,901,980.08) $ (556,079.20) $ - $ (137,096.50) $ 137,096.50 $ (14,595,155.78)
100
90 $ (14,595,155.78) $ (583,806.23) $ - $ (139,838.43) $ 139,838.43 $ (15,318,800.44)