Physician Retirement Calculator
Project retirement balances, sustainable withdrawals, and potential gaps based on savings rate and returns.
Retirement inputs
Results
Calculated in real time as you update inputs.
Projected Balance at Retirement
$4,200,132
In 33 years at 6.0% assumed return
Annual Sustainable Withdrawal
$168,005
Monthly Withdrawal (4% rule style)
$14,000
Annuity-style Withdrawal
$25,182
Level monthly payout over retirement horizon at same return
Potential Shortfall
$0
If annuity-style payout is below 4% rule withdrawal
Trend / chart
Explanation
Uses a simple future value with monthly contributions at a constant return. Withdrawal rate multiplies the projected balance. The annuity-style withdrawal shows a fixed payout over your retirement horizon at the same assumed return; shortfall shows if that payout is below the 4% rule style withdrawal.
No taxes, inflation adjustments, or employer match are included. Adjust savings rate or return assumptions to fit your plan.