What could a market drop mean for your retirement withdrawals?
A sharp decline can make a retirement plan feel less certain. Start by seeing how the same withdrawal compares with a smaller portfolio.
Try a different scenario.
Use an example or enter your own estimates. Nothing is saved.
Your withdrawal rate would change.
With the same annual withdrawals after a one-time portfolio decline:
A withdrawal rate is annual withdrawals divided by the portfolio value at that point. It is not a safe-withdrawal recommendation or a prediction of how long money will last.
One useful number.
Not the whole plan.
This calculator applies the decline you enter to your entire starting portfolio and holds your annual withdrawal amount constant. For example, a $850,000 portfolio with $34,000 in annual withdrawals has a 4% withdrawal rate. After a hypothetical 20% portfolio decline, it becomes 5%.
It does not model future returns, inflation, taxes, fees, Social Security, changing spending, or the order of gains and losses. It cannot tell you whether you can retire or what you should buy or sell. A market index’s change is not necessarily your portfolio’s change.
For more context, the SEC’s investor education site discusses planning through market volatility ↗.
Turn the “what if” into a fuller picture.
Explore retirement cash flow, compare scenarios and review the assumptions in a free Amicus sample plan.