Withdrawal plan calculator
How long will your capital last?
Plan your retirement income: how long can your assets support a monthly withdrawal – and which amount is possible over a given period while the rest stays invested?
You withdraw a fixed amount for a set period – how much capital is left afterwards?
For example 2 % to offset inflation. The withdrawal rises after every twelve months.
- Capital left at the end
- €133,551.74
- Total withdrawals
- €450,000.00
- Returns during withdrawal
- €283,551.74
after 25 years at €1,500 per month
- Remaining capital
- Total withdrawals
Year by year
| Year | Capital at start of year | Withdrawals | Interest credited | Capital at end of year |
|---|---|---|---|---|
| 1 | €300,000.00 | €18,000.00 | €14,512.50 | €296,512.50 |
| 2 | €296,512.50 | €18,000.00 | €14,338.13 | €292,850.63 |
| 3 | €292,850.63 | €18,000.00 | €14,155.03 | €289,005.66 |
| 4 | €289,005.66 | €18,000.00 | €13,962.78 | €284,968.44 |
| 5 | €284,968.44 | €18,000.00 | €13,760.92 | €280,729.36 |
| 6 | €280,729.36 | €18,000.00 | €13,548.97 | €276,278.33 |
| 7 | €276,278.33 | €18,000.00 | €13,326.42 | €271,604.75 |
| 8 | €271,604.75 | €18,000.00 | €13,092.74 | €266,697.48 |
| 9 | €266,697.48 | €18,000.00 | €12,847.37 | €261,544.86 |
| 10 | €261,544.86 | €18,000.00 | €12,589.74 | €256,134.60 |
| 11 | €256,134.60 | €18,000.00 | €12,319.23 | €250,453.83 |
| 12 | €250,453.83 | €18,000.00 | €12,035.19 | €244,489.02 |
| 13 | €244,489.02 | €18,000.00 | €11,736.95 | €238,225.97 |
| 14 | €238,225.97 | €18,000.00 | €11,423.80 | €231,649.77 |
| 15 | €231,649.77 | €18,000.00 | €11,094.99 | €224,744.76 |
| 16 | €224,744.76 | €18,000.00 | €10,749.74 | €217,494.50 |
| 17 | €217,494.50 | €18,000.00 | €10,387.22 | €209,881.72 |
| 18 | €209,881.72 | €18,000.00 | €10,006.59 | €201,888.31 |
| 19 | €201,888.31 | €18,000.00 | €9,606.92 | €193,495.22 |
| 20 | €193,495.22 | €18,000.00 | €9,187.26 | €184,682.49 |
| 21 | €184,682.49 | €18,000.00 | €8,746.62 | €175,429.11 |
| 22 | €175,429.11 | €18,000.00 | €8,283.96 | €165,713.06 |
| 23 | €165,713.06 | €18,000.00 | €7,798.15 | €155,511.22 |
| 24 | €155,511.22 | €18,000.00 | €7,288.06 | €144,799.28 |
| 25 | €144,799.28 | €18,000.00 | €6,752.46 | €133,551.74 |
Capital preservation: at a 5 % return you can withdraw €1,217.04 per month from €300,000 indefinitely without touching the capital (without yearly increase).
Assumptions: withdrawals are made at the start of each month; interest on the remaining capital is credited once a year. A yearly increase applies after every twelve months. Excluding taxes, costs and inflation.
This calculator is for information purposes only and does not constitute investment advice. Results are model calculations; actual returns fluctuate and may be lower, losses are possible. Especially in the withdrawal phase, market declines can shorten the duration considerably.
What is a withdrawal plan?
With a withdrawal plan you pay yourself a fixed amount from your assets at regular intervals – for example to supplement your state pension. The remaining capital stays invested and keeps earning returns. Unlike an annuity, you keep access to your money at all times, and whatever is left passes to your heirs.
Three levers matter: the size of the withdrawal, the return and the duration. If you only withdraw the returns, your capital is preserved indefinitely; if you also consume the capital, you can withdraw considerably more. A yearly increase protects your purchasing power against inflation.