The calculator helps with four related questions:
• Surplus Calculator: "Given my situation, do I have extra money each year, or a shortfall?"
• Needed Withdrawal Rate: "What withdrawal rate would exactly fund my spending?"
• Needed Portfolio Size: "How much would I need to have invested to support this lifestyle?"
• Needed Earned Income: "If I'm still working, how much W-2 income do I need?"
All four calculators are on one tab so you can easily compare scenarios at a glance.
Retirement Withdrawal Rate CalculatorCalculate withdrawal rate, needed portfolio size, income etcMay 2026
