@Marilyn227 while @fanfare specifically states "regardless of the end of year balance", that balance is what is critical to considering how much to withdraw if the goals is SMOOTH withdrawals over 10 years - and you really can't ever get to 'smooth' because the rate of the return of the investmemt is not going to be smooth.
But let's assume a 6% growth of $100,000 with the goal of equal withdrawals each year, then the result looks something like the chart below:
It would take a withdrawal of $13,500 each year to liquidate $100,000 that was growing by 6% per year by the end of the 10th year. The last column is the percent of the prior year balance that would need to be distributed each year.
As everyone's tax situation is different, also consider where you are in you own specific tax bracket and if you are appraoching (or are already on Medicare) as Medicare premiums are subject to IRMAA (which is a 'stealth tax' - google it) as that all can play into the decision of how much to withdraw every year; IRMAA is a function of your AGI which is going to be impacted by these withdrawals The current tax brackets will go back to the 2017 tax bracket structure after 2025 if Congress doesn't pass legislation to extend the current tax brackets (i.e. there is otherwise going to be a tax increase in 2026 without Congressional legislation)
This exercise isn't for the faint of heart!
| | End of year | growth | withdrawal | PCT |
| 1 | 92,500 | 6,000 | $ (13,500) | -14% |
| 2 | 84,550 | 5,550 | $ (13,500) | -15% |
| 3 | 76,123 | 5,073 | $ (13,500) | -16% |
| 4 | 67,190 | 4,567 | $ (13,500) | -18% |
| 5 | 57,722 | 4,031 | $ (13,500) | -20% |
| 6 | 47,685 | 3,463 | $ (13,500) | -23% |
| 7 | 37,046 | 2,861 | $ (13,500) | -28% |
| 8 | 25,769 | 2,223 | $ (13,500) | -36% |
| 9 | 13,815 | 1,546 | $ (13,500) | -52% |
| 10 | 0 | 829 | $ (14,644) | -100% |
Great IRMAA webite explanation:
https://thefinancebuff.com/medicare-irmaa-income-brackets.html
