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Savings withdrawal calculator

How long a pot lasts at a fixed drawdown.

Built and reviewed by Dovanic, Founder and editor, FreeByteLast reviewed: 2026-08-18
$
$
3%

Pot lasts

7 yr 6 mo

Withdrawn per year

$18,000

With these inputs, pot lasts comes to 7 yr 6 mo. Withdrawn per year works out to $18,000. The result assumes return while invested stays at 3%.

Interest covers
20%
Sustainable withdrawal
$300

What moves the number · Pot lasts

Input−10%Now+10%
Balance6 yr 8 mo7 yr 6 mo8 yr 4 mo
Monthly withdrawal8 yr 5 mo7 yr 6 mo6 yr 9 mo
Return while invested7 yr 5 mo7 yr 6 mo7 yr 7 mo

Solve for an input

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How long a pot lasts at a fixed drawdown.

A worked example

Starting figures

Balance
$120,000
Monthly withdrawal
$1,500
Return while invested
3%

What it returns

Pot lasts
7 yr 6 mo
Withdrawn per year
$18,000
Interest covers
20%
Sustainable withdrawal
$300

How to read the results

With the defaults above, pot lasts works out at 7 yr 6 mo.

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