Safe Retirement Spending Calculator

How much can you actually spend each year? Instead of a one-size-fits-all 4% rule, this solves for the highest annual spending that still hits your target success rate. Free, no signup.

Or just ask out loud. Mali is a voice AI — talk to her and she runs this on your own linked accounts, then explains the answer out loud in plain English.

Educational estimate, not financial advice. Monte Carlo simulator · Withdrawal-order calculator · Talk to Mali · All features