Calculation method
Each year, the balance earns the assumed return and then the requested withdrawal is deducted, capped at the remaining balance.
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.
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See a clear estimate
Enter your details to see a personalized calculation, a simple projection, and the assumptions behind it.
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Assumptions & limits
- Withdrawals occur at year-end.
- Inflation and taxes are not included; returns are constant.
- Basis: user-entered values.
- Basis: standard fixed-payment and time-value-of-money formulas.
Tax or legal rule year: Not applicable — no country-specific rules are used.