Savings Withdrawal Calculator

Your details

Choose which unknown the calculator should solve for. The other three fields are inputs.
The lump sum you have saved today, before any withdrawals.
Expected average annual return or APY on your savings. Accounts for compounding. Use 0 for a simple no-growth calculation.
%
How often you make withdrawals. The interest rate is divided by this frequency.
How much you plan to withdraw each period. Leave at 0 if you are solving for this.
Optional: increase each withdrawal by this percentage annually to keep pace with inflation. 0 means a flat, fixed withdrawal each period.
%
Currency
Money lastsLong-lasting (25+ years)
40.6years

Estimated time before the balance is fully depleted

Withdrawal per period$1,200.00
Remaining balance$121.91
Total withdrawn$584,400.00
Interest earned$334,521.91
Number of withdrawals487
Total withdrawn$584,400.00
Interest earned$334,521.91
Remaining balance$121.91

Your savings will last approximately 40.6 years at this withdrawal rate.

  • At this withdrawal rate, your savings will be depleted in approximately 40.6 years.
  • You are withdrawing 5.8% of your starting balance annually, above the commonly cited 4% sustainable withdrawal rate.
  • Interest earned during the drawdown period: 334,522 (extends how long your money lasts compared to a simple no-interest account).
  • A remaining balance of 122 will be left after all planned withdrawals.

Next stepRevisit this projection annually: actual returns vary, and adjusting your withdrawal amount in response to market conditions is one of the most effective ways to preserve your savings longer.

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