See how long a nest egg lasts at a given monthly withdrawal and return — and what a never-run-out withdrawal would be.
Assumes a constant monthly withdrawal and a steady annual return compounded monthly. Real markets vary year to year (sequence-of-returns risk), and inflation raises future withdrawals — this doesn't model either. Not financial advice.
Each month your balance earns a little growth and you take a withdrawal. If the withdrawal is larger than the growth, the balance shrinks until it's gone — this counts the months until that point. If the withdrawal is smaller than the growth, the money lasts indefinitely; that break-even is the "never-run-out" figure.
The monthly interest your balance earns. Withdraw only that and the principal stays intact forever — though inflation slowly erodes its buying power.
No — it uses a steady return. Real sequences of good and bad years matter a lot near retirement; treat this as a planning baseline, not a guarantee.
Related: retirement withdrawal (4% rule) · FIRE calculator · compound interest calculator · all free calculators.
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It uses standard formulas and recalculates the moment you change a value, so the math is exact for the inputs you enter. Treat the result as a reliable planning estimate; for decisions with legal or tax consequences, confirm the figures with a qualified professional.
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