WSECU Retirement Planner Calculator

Determine how long your savings will last or how much you can safely withdraw each month to maintain your lifestyle throughout retirement in Washington.

Withdrawal Plan

Conservative estimate recommended for distribution phase.
Adjusts withdrawal for cost of living.

Income Sustainability

Your Savings Will Last 0 Years
Total Amount Withdrawn $0.00

Planning Your Withdrawal Strategy with WSECU

The transition from saving to spending is a critical phase. The WSECU Retirement Planner helps Washington retirees answer the big question: "Will my money last?"

Managing Longevity Risk

WSECU members often enjoy longer retirements. Ensure your funds can support you for 25-30 years or more. Inflation is a key factor; a $2,000 withdrawal today won't buy as much in 10 years.

Withdrawal Strategies

  • Safe Withdrawal Rate: Many experts suggest 3-4% annually adjusted for inflation.
  • Dynamic Withdrawals: Taking less in market downturns to preserve capital.
  • Bucket Approach: Keeping 2-3 years of cash in WSECU savings to avoid selling investments when the market is down.

Frequently Asked Questions

1. Does this include my pension?

No, this calculator only projects the longevity of your personal savings portfolio. Your WSECU or state pension acts as a separate, guaranteed income floor.

2. How should I invest during retirement?

Typically, retirees shift towards more conservative investments (bonds, CDs) to reduce volatility, though some growth (stocks) is usually needed to beat inflation.