Inputs

Enter your starting capital, withdrawal amount and expected real return to simulate how long your money could last.

Your current portfolio value before withdrawals.
Choose whether you plan monthly or yearly withdrawals.
Amount you plan to withdraw each month in the first year.
%
Annual increase of withdrawals (e.g., to track inflation).
%
Real (inflation-adjusted) expected annual return of your portfolio.
Sustainable withdrawal (r − g)
If annual return (r) exceeds withdrawal growth (g), initial annual sustainable withdrawal ≈ capital × (r − g).
Annual: 6,000.00 Monthly: 500.00
Portfolio balance over time
Enter your inputs and press Calculate to see the chart.
Balance table
Month Balance
No data yet.

How the calculator works

The model simulates monthly compounding and withdrawals with optional yearly increases to estimate longevity.

Tips for robust planning

  • Use conservative return assumptions.
  • Increase withdrawals only when needed.
  • Test multiple scenarios for sensitivity.
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