Financial Tools
Savings Withdrawal Calculator
How long a balance lasts when you draw from it every month and the amount you need rises with inflation. It also solves the withdrawal that would last exactly as long as you want.
Starting Balance
Monthly Withdrawal
Annual Return (% on what stays invested)
Withdrawal Rises By (% a year, so the amount keeps its buying power)
You Want It to Last (years)
Values shown are examples. A single average return hides the order in which returns arrive, which matters most in the first years of drawing down.
How Long It Lasts
| The Money Lasts | n/a |
| In Years | n/a |
| Total Withdrawn | $0 |
| Last Withdrawal | $0 |
| Withdrawal That Lasts Your Target | $0 |
| First Year Withdrawal Rate | n/a |
For illustration only, not financial advice. Results are estimates based on the numbers you enter and do not constitute an offer, rate quote or approval.
Questions people ask
How does the page work out how long my money lasts?
It runs your balance month by month: it adds the return on what stays invested and takes out your monthly withdrawal. Once a year the withdrawal rises by the percentage you set, and the count stops when the balance runs out.
What is the Withdrawal That Lasts Your Target?
It is the starting monthly withdrawal, rising each year by the same percentage, that brings the balance to zero at the end of the number of years you want it to last.
What does First Year Withdrawal Rate show?
It is your first year of withdrawals, twelve times the monthly amount, divided by the starting balance.
Why might real results differ from this projection?
The page uses one average return, which hides the order in which returns arrive. That order matters most in the first years of drawing down.
