Models how long retirement savings or any investment balance will last with regular monthly withdrawals and a given annual return rate. Shows months/years until depletion, total amount withdrawn, initial monthly interest, and the 4% rule sustainable withdrawal for comparison. Includes a reference table of common balance/withdrawal/return scenarios.
Calculate how long your savings will last with regular withdrawals, or how much you can withdraw monthly.
The savings withdrawal calculator shows how long your retirement savings will last with regular monthly withdrawals, accounting for investment returns. Enter your balance, monthly withdrawal, and expected return rate.
| Balance | Withdrawal/mo | 5% Return | 0% Return |
|---|---|---|---|
| $500K | $2,000 | ~46 years | 20.8 years |
| $500K | $3,000 | ~22 years | 13.9 years |
| $1M | $4,000 | ~48 years | 20.8 years |
| $1M | $5,000 | ~30 years | 16.7 years |
It depends on your balance, withdrawal rate, and investment returns. Use this calculator to model your specific scenario. The 4% rule (withdraw 4% of initial balance annually) historically lasts about 30 years.
A guideline suggesting you can withdraw 4% of your retirement portfolio in year one, adjust for inflation each year, and have a high probability of not running out of money over 30 years.
Subtract your Social Security income from your monthly needs to find the gap. Only that gap needs to come from savings. This calculator models just the savings withdrawal portion.
A balanced portfolio (60/40 stocks/bonds) has historically returned 6–8% before inflation, 4–6% after inflation. Using 4–5% is a reasonable conservative estimate for planning.
This is "sequence-of-returns risk" — the biggest danger to withdrawal plans. A large early loss followed by steady withdrawals can deplete savings much faster than average returns suggest. Having 1–2 years of expenses in cash helps weather downturns.
Yes, completely free. Model any balance, withdrawal, and return rate combination.