Withdrawal Plan Calculator
Find out how long your savings last with a regular monthly withdrawal and ongoing returns.
- Total withdrawn
- €496,500.00
Capital until depletion
Show details table
| Year | Balance |
|---|---|
| 1 | €293,888.77 |
| 2 | €287,528.56 |
| 3 | €280,909.22 |
| 4 | €274,020.20 |
| 5 | €266,850.51 |
| 6 | €259,388.72 |
| 7 | €251,622.92 |
| 8 | €243,540.73 |
| 9 | €235,129.26 |
| 10 | €226,375.10 |
| 11 | €217,264.27 |
| 12 | €207,782.26 |
| 13 | €197,913.94 |
| 14 | €187,643.56 |
| 15 | €176,954.76 |
| 16 | €165,830.47 |
| 17 | €154,252.97 |
| 18 | €142,203.78 |
| 19 | €129,663.68 |
| 20 | €116,612.69 |
| 21 | €103,029.97 |
| 22 | €88,893.88 |
| 23 | €74,181.86 |
| 24 | €58,870.45 |
| 25 | €42,935.23 |
| 26 | €26,350.78 |
| 27 | €9,090.66 |
Planning capital in retirement
A withdrawal plan answers the central question of retirement planning: how long will my capital sustain a given monthly withdrawal? What matters is the ratio of withdrawal to return. If the withdrawal stays below the ongoing earnings, the capital is preserved indefinitely.
Frequently asked questions
When does my capital last "indefinitely"?
If the ongoing return is at least as high as your monthly withdrawal, the capital is preserved or even grows. The calculator detects and reports this case.
What return is realistic in retirement?
During the withdrawal phase, money is often invested more conservatively. Assumptions between 2 % and 5 % per year are common – run several scenarios.
Is inflation accounted for?
The calculator uses nominal values. To preserve purchasing power, adjust the withdrawal to inflation regularly or use a lower real return.