A $2.5 million portfolio could support $100,000 in annual retirement spending, but taxes might require you to withdraw more than that amount. Account type determines the portion of each distribution you keep. Knowing that amount can help you estimate whether your spending goal is sustainable and what adjustments you may need to make. How Much Do You Need to Withdraw to Spend $100,000? The 4% rule is a common benchmark that retirees use to estimate how much they can withdraw from their savings each yea ...