Retirement Withdrawal Analysis
Monte Carlo simulation for Savings Cash Flow Sustainability
Savings Sustainability Analysis
| Year | Base Rate | Unprotected Savings | Protected Savings | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Actual Rate | Start Balance | Growth | Withdrawal | End Balance | Actual Rate | Start Balance | Growth | Withdrawal | End Balance | ||
| Year | Unprotected Savings | Protected Savings | ||||
|---|---|---|---|---|---|---|
| Median | 90th %ile | % Depleted | Median | 90th %ile | % Depleted | |
Key Insights
IMPORTANT DISCLAIMER
EDUCATIONAL TOOL ONLY – NOT FINANCIAL ADVICE
This retirement withdrawal analysis calculator is a purely mathematical simulation tool designed exclusively for educational and illustrative purposes. It demonstrates statistical cash flow scenarios using Monte Carlo methodology to show potential cash flow outcomes under various interest or earnings generating conditions.
This tool is NOT intended for use in making actual financial decisions and should never be used as the basis for purchasing, selling, or managing any financial products, investments, insurance policies, or retirement plans. The calculations are hypothetical projections that do not reflect real-world market complexities, fees, taxes, inflation adjustments, or individual financial circumstances or financial instruments. This is Simply Math, nothing more, nothing less. Nothing is recommended, nothing is advised.
Key Limitations:
- Results are based on simplified mathematical models and random number generation
- Does not account for management fees, taxes, inflation, or changing withdrawal needs
- Past performance and statistical projections do not guarantee future results
- Real market conditions include factors not represented in this simulation
- Individual financial situations vary significantly and require personalized analysis
- No financial products are depicted and none should be construed.
Always consult with qualified financial professionals before making any financial decisions. Licensed financial advisors, CPAs, and retirement planning specialists can provide personalized guidance based on your specific circumstances, goals, and risk tolerance.
By using this calculator, you acknowledge that you understand its limitations and agree that it is for educational demonstration purposes only. The creators and distributors of this tool assume no responsibility for any financial decisions made based on its output. This tool is copy writed and all rights are reserved and will be enforced.