Calculation method
Apply an effective annual return and a capped annual withdrawal in the selected year-start or year-end order. Report the depletion period or the remaining balance after the 100-year modeling limit.
Retirement · General formulas
Retirement Withdrawal Calculator
Estimate how long savings may last at a chosen annual withdrawal. Use the example values or enter your own numbers to explore an estimate.
Currency formatting only—not an exchange-rate conversion. No country-specific tax or government rules are applied.
Your results
See a clear estimate
Enter your details to see a personalized calculation, a simple projection, and the assumptions behind it.
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Calculate first to compare a snapshot or export your current results. No values are sent to our server.
The PDF includes active input values and option labels, results, sources, model assumptions, and the schedule when available. Schedule periods follow the model: years, months, or actual payments.
Up to three comparison snapshots
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Share assumptions, never dollar amounts
Links include eligible rate, term or frequency assumptions only. Dollar amounts are never included. Recipients must enter their own amounts; the link will not reproduce your full financial scenario.
Assumptions & limits
- Withdrawal timing follows the selected start or end of year.
- Inflation and taxes are not included; returns are constant.
- Basis: User-entered values.
- Basis: Standard fixed-payment and time-value-of-money formulas.
Source/rule review year: Not applicable — general mathematical model.
Compare like with like
A nominal annual rate is not the same as an effective annual return. With nominal rate r compounded m times per year, the equivalent effective annual rate is (1 + r / m)m − 1. For example, 6% nominal compounded monthly is about 6.17% effective for a year before fees, taxes, or inflation.
Contribution and withdrawal timing also matters: end-of-month deposits miss that month’s growth, while a beginning-of-period deposit earns for the full period. Compare tools only after matching the rate convention, compounding period, contribution timing, and fees; a displayed equivalent does not make distinct models identical.
Read the compound-interest guide