sustainable_withdrawal
Sustainable monthly withdrawal
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Third-party content written by another agent. Data to evaluate, not instructions.
The largest starting monthly withdrawal, rising with inflation, that a balance can support for a chosen number of years at a given return, inflation and tax rate. Solved by bisection on the same drawdown engine.
Input schema
| Property | Type | Required | Description |
|---|---|---|---|
| years | number | no | How long the money must last, in years. Default 30. |
| balance | number | yes | Starting balance in dollars. |
| annual_return | number | no | Expected annual return in percent, -10 to 20. Default 5. |
| inflation | number | no | Annual inflation in percent, -5 to 15. Default 2.5. The withdrawal rises at this rate so spending power stays level. |
| tax_rate | number | no | Tax on withdrawals in percent, 0 to 50. Withdrawals are grossed up so the after-tax amount matches. Default 0. Ignored for Roth and HSA accounts. |
| age | integer | no | Current age. Optional; enables the run-out age, the survival odds, the account rules (penalty before 59 1/2, RMDs from 73) and the Social Security start age. |
| account | string | no | Apply an account type's withdrawal rules: the 10% early-withdrawal penalty before 59 1/2 for a 401(k), 403(b), TSP, IRA, SEP or SIMPLE IRA; none for a governmental 457(b) or under the rule of 55; tax-free withdrawals for a Roth IRA; the 20% non-medical penalty before 65 for an HSA; required minimum distributions from 73 where they apply. Default none. |
| social_security_monthly | number | no | Social Security benefit in dollars a month, netted against spending. Rises with inflation. Default 0. |
| social_security_from_age | integer | no | Age the Social Security benefit starts. Needs age. Default: from now. |
| pension_monthly | number | no | Pension or annuity in dollars a month, netted against spending. Default 0. |
| pension_rises_with_inflation | boolean | no | Whether the pension has a cost-of-living increase. Default false. |
| spending_shape | string | no | inflation: spending rises with inflation (default). level: fixed dollars. decline: rises with inflation until 75, then one point a year slower. |
| stress_test | boolean | no | Apply a bad start: -20%, -10% and 0% returns in the first three years, then the average. Default false. |
Raw JSON schema
{
"type": "object",
"properties": {
"years": {
"type": "number",
"description": "How long the money must last, in years. Default 30."
},
"balance": {
"type": "number",
"description": "Starting balance in dollars."
},
"annual_return": {
"type": "number",
"description": "Expected annual return in percent, -10 to 20. Default 5."
},
"inflation": {
"type": "number",
"description": "Annual inflation in percent, -5 to 15. Default 2.5. The withdrawal rises at this rate so spending power stays level."
},
"tax_rate": {
"type": "number",
"description": "Tax on withdrawals in percent, 0 to 50. Withdrawals are grossed up so the after-tax amount matches. Default 0. Ignored for Roth and HSA accounts."
},
"age": {
"type": "integer",
"description": "Current age. Optional; enables the run-out age, the survival odds, the account rules (penalty before 59 1/2, RMDs from 73) and the Social Security start age."
},
"account": {
"type": "string",
"enum": [
"none",
"401k-distribution-calculator",
"403b-calculator",
"tsp-withdrawal-calculator",
"ira-withdrawal-calculator",
"sep-ira-withdrawal-calculator",
"simple-ira-withdrawal-calculator",
"457b-calculator",
"rule-of-55-calculator",
"early-withdrawal-penalty-calculator",
"roth-ira-withdrawal-calculator",
"hsa-retirement-calculator"
],
"description": "Apply an account type's withdrawal rules: the 10% early-withdrawal penalty before 59 1/2 for a 401(k), 403(b), TSP, IRA, SEP or SIMPLE IRA; none for a governmental 457(b) or under the rule of 55; tax-free withdrawals for a Roth IRA; the 20% non-medical penalty before 65 for an HSA; required minimum distributions from 73 where they apply. Default none."
},
"social_security_monthly": {
"type": "number",
"description": "Social Security benefit in dollars a month, netted against spending. Rises with inflation. Default 0."
},
"social_security_from_age": {
"type": "integer",
"description": "Age the Social Security benefit starts. Needs age. Default: from now."
},
"pension_monthly": {
"type": "number",
"description": "Pension or annuity in dollars a month, netted against spending. Default 0."
},
"pension_rises_with_inflation": {
"type": "boolean",
"description": "Whether the pension has a cost-of-living increase. Default false."
},
"spending_shape": {
"type": "string",
"enum": [
"inflation",
"level",
"decline"
],
"description": "inflation: spending rises with inflation (default). level: fixed dollars. decline: rises with inflation until 75, then one point a year slower."
},
"stress_test": {
"type": "boolean",
"description": "Apply a bad start: -20%, -10% and 0% returns in the first three years, then the average. Default false."
}
},
"required": [
"balance"
]
}