Sequence of Returns Risk Calculator
See how two retirees can earn the same average return, but end with very different results because the bad years arrive at different times.
Your Retirement Scenario
Withdrawals are increased each year by the inflation rate below.
The calculator compares bad returns at the beginning versus bad returns at the end.
Estimated Result
Enter your information and calculate your estimate.
Cost of bad returns early:
$0
Ending balances will appear here.
Bad Years First
$0
Bad Years Last
$0
Smooth Return Scenario
$0
Initial Withdrawal Rate
0%
Bad years first
Bad years last
Smooth average return
| Scenario | End Balance | Year Depleted |
|---|---|---|
| Bad Years First | $0 | Never |
| Bad Years Last | $0 | Never |
| Smooth Average Return | $0 | Never |
This calculator is for educational purposes only. It uses simplified return assumptions to illustrate sequence-of-returns risk. It does not use historical market data, taxes, fees, asset allocation changes, dividends, Social Security timing, pensions, annuities, cash reserves, guardrails, Roth conversions, required minimum distributions, or actual investment returns. Results are hypothetical and are not investment advice.
