Withdrawal Plan Calculator
See how long a pot of money lasts when you draw a fixed amount each month while the balance keeps earning a return.
How a withdrawal plan works
A withdrawal plan is the mirror image of regular investing: you keep a lump sum invested and take out a set amount every month. The balance still earns a return, so the money can last a long time as long as you withdraw less than it grows.
Withdraw more than the balance earns and it slowly runs down to zero; withdraw less and it can even keep growing. It's a common way to draw a retirement income. To build the pot in the first place, see our finance calculators.
Common questions
Will the money run out?
It comes down to the gap between your withdrawal and the return. Take out less than the balance earns and it lasts indefinitely; take out more and it falls each year until it reaches zero.
Is the return guaranteed?
No. The return you enter is an assumption, and real markets vary, so a weak early stretch can drain the balance faster than planned. Keep the withdrawal on the cautious side.
How are withdrawals taxed?
Selling units from a fund usually counts as a disposal, so the gains part can fall under capital-gains rules. This calculator shows the amounts before any such tax.
Add Withdrawal Plan Calculator to your website
Embed this free Withdrawal Plan Calculator on your site or blog. Just copy the code below, paste it into your page, and your visitors can use the calculator without leaving your site.
The widget is responsive and works on WordPress, Squarespace, Wix, Webflow, and any HTML page. You can adjust the width and height in the code above.