Finance & Irish taxes
Retirement drawdown timeline Calculator
Project a retirement fund under inflation-linked withdrawals. This free retirement drawdown timeline calculator shows the calculation and its assumptions so you can compare your own figures.
Calculated on your device
Your results
Ending Fund€0.00
Project a retirement fund under inflation-linked withdrawals.
Depletion Year27
Calculated outcomes
- Total Withdrawn
- €854,689.76
Schedule · 30 rows
| Year | Withdrawal | Ending Fund |
|---|---|---|
| 1 | €25,000.00 | €495,000.00 |
| 2 | €25,500.00 | €489,300.00 |
| 3 | €26,010.00 | €482,862.00 |
| 4 | €26,530.20 | €475,646.28 |
| 5 | €27,060.80 | €467,611.33 |
| 6 | €27,602.02 | €458,713.76 |
| 7 | €28,154.06 | €448,908.25 |
| 8 | €28,717.14 | €438,147.44 |
| 9 | €29,291.48 | €426,381.85 |
| 10 | €29,877.31 | €413,559.81 |
| 11 | €30,474.86 | €399,627.34 |
| 12 | €31,084.36 | €384,528.08 |
| 13 | €31,706.04 | €368,203.16 |
| 14 | €32,340.17 | €350,591.12 |
| 15 | €32,986.97 | €331,627.79 |
| 16 | €33,646.71 | €311,246.20 |
| 17 | €34,319.64 | €289,376.40 |
| 18 | €35,006.04 | €265,945.42 |
| 19 | €35,706.16 | €240,877.08 |
| 20 | €36,420.28 | €214,091.89 |
| 21 | €37,148.68 | €185,506.88 |
| 22 | €37,891.66 | €155,035.49 |
| 23 | €38,649.49 | €122,587.42 |
| 24 | €39,422.48 | €88,068.44 |
| 25 | €40,210.93 | €51,380.24 |
| 26 | €41,015.15 | €12,420.30 |
| 27 | €12,917.12 | €0.00 |
| 28 | €0.00 | €0.00 |
| 29 | €0.00 | €0.00 |
| 30 | €0.00 | €0.00 |
Assumptions and estimates
- End-of-year withdrawals rise with the entered inflation rate; returns are constant. This does not simulate market sequence risk, tax, compulsory pension withdrawals or guaranteed annuity income.
- Method: Apply annual returns, withdraw at year end, and increase future withdrawals by inflation.
- Constant returns exclude market sequence risk, pension withdrawal rules, tax and fees.
Useful next steps
- Use Compare options to test an alternative side by side.
- Copy, print or download a record of this calculation when you need one.
Reports open your email app addressed to s@s1.ie with the public page address only. Your inputs are never added.
How the retirement drawdown timeline calculation works
Apply annual returns, withdraw at year end, and increase future withdrawals by inflation.
Constant returns exclude market sequence risk, pension withdrawal rules, tax and fees.
Using this calculator
- Enter your own figures in the labelled inputs. Keep the currencies, units and time periods consistent.
- Choose any applicable rate profile, pattern or assumption shown for this tool. Open additional inputs when relevant.
- Review ending fund and depletion year, then read the stated assumptions and eligibility conditions before using the result.
Worked example
This is a static example using illustrative inputs, not facts about you or today’s date. The displayed eligibility selections and assumptions apply only to this example.
See example inputs
- Starting retirement fund (€)
- 500000
- First annual withdrawal (€)
- 25000
- Annual net return (%)
- 4
- Withdrawal growth / inflation (%)
- 2
- Projection years
- 30
- Ending Fund
- €0.00
- Depletion Year
- 27
Related calculators
Salary Tax Calculator Ireland 2026 ↗VAT Calculator Ireland ↗Capital Gains Tax Calculator Ireland ↗Inheritance and Gift Tax Calculator Ireland ↗DIRT Savings Interest Tax Calculator Ireland ↗Emergency Tax Calculator Ireland 2026 ↗
All finance & irish taxes calculators →