MAKE RETIREMENT INCOME LAST

Safe Withdrawal Calculator

Test how much income a retirement portfolio may support, how long the fund may last, and how inflation, fees and returns can change the outcome.

Calculate My WithdrawalReview Inflation
Safe withdrawal planning
Turn capital into dependable incomeCompare withdrawal rates, projected fund duration and different market-return scenarios before making decisions.
Income
Monthly incomeConvert capital into spending
Duration
Fund durationEstimate how long it may last
Scenarios
Scenario testingCompare returns and withdrawals
Action
Action planTurn estimates into next steps
1
MODEL YOUR RETIREMENT INCOME

Test a sustainable portfolio withdrawal

Your assumptions

Use realistic return, inflation and fee assumptions, then compare more than one withdrawal rate.

Projection ready
Starting withdrawal rate—
Total starting annual income—
Total starting monthly income—
Projected fund duration—
Projected end value—
Portfolio value over timeInflation-linked withdrawals included
2
COMPARE OUTCOMES

See how returns and withdrawal rates change the result

ScenarioReturnStarting withdrawalFund lastsEnd value
3
CONNECTED PLANNING JOURNEY

Move from lifestyle cost to sustainable retirement income

1

Cost of living

Set a realistic Thailand lifestyle target.

 2

Retirement income

Test how long current resources may last.

 3

Pension shortfall

Measure the income and capital gap.

 4

Compound growth

Model how savings may build capital.

 5

Inflation

Translate today’s spending into future costs.

6

Safe withdrawal

You are completing this step now.

7

Financial review

Turn the result into an action plan.

4
UNDERSTAND THE RESULT

What a withdrawal-rate estimate can and cannot tell you

Inflation

Account for inflation

See how rising costs can increase the amount withdrawn each year.

Open inflation calculator → Growth

Compare growth assumptions

Understand how returns and fees affect portfolio sustainability.

Open growth calculator → Planning

Review the full retirement plan

Connect withdrawals with pensions, healthcare, tax and legacy goals.

Read retirement guide →
5
PLAN THE LIFESTYLE, NOT ONLY THE PORTFOLIO

Useful JLIT services for your Thailand journey

Property

Find your home

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Browse local services in your intended city.

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Member offers

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Car or bike rental

Compare transport options for your trip or move.

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Find a flight

Research your next Thailand trip.

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Find a hotel

Compare accommodation before making a longer-term decision.

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Ask Lawrence

Ask Lawrence about your result

Turn the illustration into a personal discussion about withdrawals, portfolio assumptions, income needs, risk and retirement planning.

Start a Conversation
KEEP YOUR ASSUMPTIONS CURRENT

Thailand updates in one place

News, money developments, city updates, healthcare costs and travel changes can affect a retirement-income plan. Make Just Landed Live part of your regular review.

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Thailand news, cities, travel, money, events and practical expat information from JLIT.

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6
COMMON QUESTIONS

Safe withdrawal calculator FAQs

Is this a guaranteed sustainable withdrawal rate?
No. It is an illustration based on the assumptions entered. Actual returns, inflation, fees, taxes and spending will vary.
Why can funds run out even when returns look reasonable?
Withdrawals, inflation, fees and poor early market returns can combine to reduce the portfolio faster than expected.
What does inflation-linked withdrawal mean?
The calculator increases the portfolio withdrawal each year by the inflation rate entered, helping model rising living costs.
Should dependable pension income be included?
Yes. Dependable income can reduce how much must be withdrawn from investments and may materially improve fund sustainability.
Why compare several scenarios?
A single return assumption can create false confidence. Lower-return and higher-withdrawal scenarios help show how sensitive the plan may be.
How often should I review the plan?
At least annually, and whenever portfolio value, income, spending, health, retirement timing or major assumptions change.
Important: This calculator provides general planning estimates only and does not constitute personal financial, investment, tax or legal advice. Results depend entirely on the assumptions entered and actual outcomes will differ.