How to use this calculator
- Enter starting savings, nominal annual rate (%), end-of-month withdrawal.
- Choose a display currency, then select Calculate. Results also update after a brief pause while you edit.
- Read the result with the assumptions below. Export details or save a second scenario to compare your choices.
Formula and method
Assumptions and limitations
No inflation, tax, fee or return volatility. No finite depletion is reported when the constant-return model sustains the withdrawal; this is not a real-world guarantee. Maximum simulated horizon is 1,200 months.
Worked example
Savings of 1,200 at 0% with withdrawals of 100 last 12 months.
What the result means
Estimate depletion time for a chosen withdrawal under a constant-return scenario.
Common questions
How is the calculation performed?
Each month add modeled growth to the opening balance, then withdraw the smaller of the requested amount and available balance.
What does the model leave out?
No inflation, tax, fee or return volatility. No finite depletion is reported when the constant-return model sustains the withdrawal; this is not a real-world guarantee. Maximum simulated horizon is 1,200 months.
Methodology and transparency
Calculation specification reviewed on 2026-10-14. Mathematical implementation is tested against independent reference fixtures. This does not imply review by a licensed financial professional. Read the testing and precision policy.