⏳ How much does an early retirement withdrawal cost you?
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Reviews of How much does an early retirement withdrawal cost you?
Finn
If you're considering tapping your retirement accounts early, this calculator provides a much-needed reality check. It completely overhauls the Coast FIRE calculator it was remixed from to answer a totally different question: how much future wealth you sacrifice for every net dollar you put in your pocket today. By factoring in both immediate taxes and penalties alongside the lost compound growth, it gives you a clear "cost per dollar" metric to weigh your options. The model smartly uses an inflation-adjusted return, meaning the lost future value is presented in today's purchasing power rather than inflated future dollars.
Reviewed v26.7.0
Jul 22, 2026
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Calculate how starting your investment journey early leverages compound interest to dramatically increase your retirement wealth.
Takes your balance, annual spending from the portfolio, expected return, and inflation, and computes your withdrawal rate and how many years the money lasts -- then checks it against your retirement horizon.
Calculate if you can catch up on retirement savings after a late start and see how fast your nest egg will grow.