How long your savings last if you take a fixed amount every month, and how much you can take to make them last.
Figures checked: October 2026 · Methodology and sources
Returns are not guaranteed and vary every year; a bad start makes the money run out sooner. Before tax.
A withdrawal plan takes a fixed amount every month from invested capital while the rest keeps earning. The calculator shows how long the money lasts at your withdrawal, and which withdrawal empties it exactly after the years you choose.
The last result is the withdrawal that never touches the capital: you spend only the return.
If you want to keep your purchasing power, yes: set the yearly increase to the inflation you expect. The money then lasts less long.
It depends on how you invest. A mix of shares and bonds has historically earned 3 to 5 % a year, with ups and downs.
Losses in the first years of withdrawals do more damage than later ones, because you sell when prices are low. Keep a cash reserve for one or two years.
Indicative results. This is not financial advice.
Know how much you will have left at the end of the month
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