Breadwinner Investment Calculator
Type a value or drag the sliders — every number and chart updates instantly.
Your investment inputs
Periodic lump sum (optional)
$
e.g. tax return, bonus, inheritance
How often you add this amount
—
extra from lump sums vs no lump sums
Advanced settings
% / yr
$
$
At end of period
Future value
—
nominal dollars
Inflation-adjusted
—
in today’s dollars
Total invested
—
contributions + lump sums
Return multiple
—
× your money
Freedom number
—
monthly withdrawal (4% rule)
Annual withdrawal
—
sustainable indefinitely
Goal target
—
—
Years to goal
—
at current rate
Growth over time
Portfolio value
Inflation-adjusted
Amount invested
Goal line
Income replacement calculator
How large does your portfolio need to be to live entirely on investment returns? Based on the 4% safe withdrawal rule.
Portfolio needed to replace your income
—
enter an annual income above
Years until you reach financial freedom
—
at current inputs
Withdrawal phase simulator
Starting from your projected portfolio, see how long your money lasts — with and without continued monthly contributions during retirement.
$
Pre-filled from your 4% freedom number
$
Pre-filled from your contribution above
%
Conservative rate (e.g. 4–6%)
Without investing
Withdraw only — no new contributions
—
—
Keep investing
Withdraw + monthly contributions
—
—
Without investing
Keep investing
Educational illustration only — not financial advice.
This calculator assumes a fixed annual return rate every year. Real markets fluctuate, and sequence-of-returns risk can significantly shorten portfolio life in ways this model cannot capture. Results do not account for taxes on withdrawals, investment fees, or the changing risk profile of a retirement portfolio. The 4% safe withdrawal rule is based on a 30-year US historical average and may be too aggressive for retirements longer than 30 years. Always consult a qualified financial advisor before making investment decisions.