Savings Withdrawal Calculator
Monthly withdrawal you can make if savings are to last 0 years and 0 months:
How long will your savings last?
The Savings Withdrawal Calculator helps you estimate how long your current savings will last if you withdraw a fixed amount each month. Just enter your total savings, annual interest rate, and the amount you'd like to withdraw, and get a clear picture of your financial runway.
How the Savings Withdrawal Calculator works
This tool uses financial formulas to project the duration of your savings under different withdrawal and interest scenarios. You can also set a target timeframe — for example, 10 years — and the calculator will tell you the maximum monthly amount you can safely withdraw without running out of funds.
Estimate how long your savings will last at a given withdrawal rate
Calculate the safe monthly withdrawal to reach a specific number of years
Understand how interest income extends the life of your savings
Common use cases
Planning for early retirement or sabbatical
Budgeting withdrawals after a lump-sum payment or property sale
Estimating safe income from savings while relocating or pausing work
Sustainable withdrawal strategies
Conservative (3–4% per year): Ideal for long-term stability and lower risk
Moderate (5–6% per year): Balanced approach for flexible planning
Aggressive (7%+): Shorter-term strategy with higher risk of depletion
Why use the Savings Withdrawal Calculator?
Savings Withdrawal Calculator helps you avoid overspending your savings or underestimating how much you can afford. Whether you’re planning a career break, moving to a new country, or retiring early, it gives you clear answers on how long your money will last — and what you can safely withdraw each month.