Withdrawal Return Sequence Comparison
Compare the original and reversed order of the same annual returns with fixed annual withdrawals.
YOUR CALCULATION
Result
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Calculation steps
Work through one step at a time or reveal the complete calculation. The steps use your current inputs.
How to calculate
Simulate the same starting wealth and withdrawal request twice, using the supplied annual return order and its reverse. Cap actual withdrawals at available wealth.
Start timing: wealth_after=(wealth_before−actual withdrawal)×(1+r)
Worked example
Initial 100 and withdrawal 10 at each year start with returns −50%, +100% ends at 70; reversing those returns ends at 85. Without withdrawals both orders end at 100.
Assumptions and input details
2–100 annual returns from −100% to 1000%. No fees, tax, inflation adjustment, new contributions or changing withdrawal request. Once funds are zero, future requested withdrawals are unmet and the balance remains zero. A capped withdrawal prevents impossible negative holdings. Reversing an entered series illustrates order effects and is not a forecast or sustainable-withdrawal recommendation. No live market data or national tax rules are inferred. Enter consistent amounts in one currency unless explicitly stated otherwise.
Using this calculator
Can I enter my own problem?
Yes. Replace the example values with your own inputs. The result, calculation steps, tables and applicable diagrams update from those inputs. Blank or invalid values clear the result; example values are never silently substituted for missing inputs.
Are the results exact?
Results use floating-point arithmetic and displayed rounding. Read the formula, assumptions and any stated data precision before interpreting the result.
Is my input uploaded?
The calculation runs in your browser. No account, file upload or external AI service is required. Inputs are not saved between page reloads.
Model monthly withdrawals, constant effective returns and annual withdrawal increases over a chosen horizon.
Measure observed peak-to-trough decline and recovery from a dated wealth or total-return index.
Add balances in different currencies, including debts. Convert the total and compare a table and currency chart.
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