The initial withdrawal amount will be calculated based on the amount you select for your initial retirement savings balance and initial withdrawal rate. To accommodate for rising costs in the future, the annual withdrawal amount will be recalculated each year. The annual withdrawal amount will be calculated from the initial withdrawal amount increased each year at a 3% rate of inflation. The expected annual return on your investments is initially set to 6% but can be adjusted between 0% and 10%. Calculations assume that your rate of return and the inflation rate remain the same throughout retirement, and that any earnings are reinvested. Results do not include the effects of taxes.