How long will your savings last with regular withdrawals?
Should your savings supplement your income, finance a break or cover certain years? The calculator shows how the balance develops when you withdraw an amount regularly while also having returns and any costs.
Worked example
- Savings: 75,000.00 USD
- Withdrawal per month: 750.00 USD
- Return per year after costs: 4 %
- The withdrawal increases by: 2 % per year
The savings last for
110 withdrawals
9 years and 2 months · remaining 49 USD
| Year | Balance |
|---|---|
| 1 | 68,806 USD |
| 2 | 62,181 USD |
| 3 | 55,103 USD |
| 4 | 47,550 USD |
| 5 | 39,501 USD |
| 6 | 30,930 USD |
| 7 | 21,813 USD |
| 8 | 12,125 USD |
| 9 | 1,838 USD |
Withdrawal at the start of the month, then the return. A calculation scenario, not a guarantee.
Withdrawals and inflation affect the balance
Enter the starting amount and the desired withdrawal. Choose whether the withdrawal should be a fixed amount or rise with inflation. A fixed amount typically buys less over time, while an inflation-adjusted withdrawal requires more of the balance.
The order of returns matters. Bad years early on can be harder to handle when money is being withdrawn at the same time. That is why you can compare an even path with scenarios where the return varies from year to year.
How to plan the withdrawals
Separate necessary and flexible expenses
Start with the amount that must be covered every month. Then look at what happens if some withdrawals can be reduced for periods. That makes the consequence of your spending visible.
Example without returns
Savings of 120,000 last for 12 monthly withdrawals of 10,000 when there are no interest, costs or price increases. With other assumptions, the path changes.
The result is a calculation scenario, not a guarantee of how long investments will last. Also check the tax and terms of the account the money is in. Retirement savings and ordinary savings can have different withdrawal rules. The budget calculator can help you find the monthly amount you want to continue calculating with.