Withdrawal Strategy Comparison
See how different spending rules change withdrawals and remaining balances.
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How much will you start retirement with?
$
$
$
years
Inflation-adjusted spending
$800,726 left
$2,107,330 withdrawn
Level nominal spending
$1,911,539 left
$1,440,000 withdrawn
Portfolio percentage
$1,566,551 left
$1,642,851 withdrawn
How the strategies are modeled
Every path starts with the same first-year annual spending. Inflation-adjusted spending increases that amount once per year. Level spending keeps the nominal amount unchanged. Portfolio percentage recalculates annual spending at the start of each year using the initial spending-to-portfolio percentage.
Withdrawals occur at the beginning of each month and the remaining balance then receives a steady equivalent monthly return. The comparison does not model variable returns, sequence risk, taxes, fees, benefits, or changing needs. It illustrates rules rather than recommending a strategy.