Universal calculator

Investment withdrawal calculator

Estimate a regular withdrawal that allows you to deplete your investment, preserve your capital or continue growing it.

Estimated result

Enter the settings to estimate how much you can withdraw.

Calculates the maximum withdrawal that gradually uses the capital over the selected duration.

Calculates a withdrawal designed to leave approximately the initial amount at the end of the period.

Calculates a withdrawal compatible with a final balance greater than the initial capital.

The calculator uses an iterative process to determine the periodic withdrawal amount needed to reach the target final balance.

Net periodic return rate ( $r_p$ ) :

r_p = \left(1 + \frac{R_{\text{annual}} - F_{\text{fees}}}{100}\right)^{\frac{1}{n}} - 1

Optimal withdrawal search ( $W$ ) :

\text{Find } W \text{ such that } \text{Balance}_{\text{final}}(W) \approx \text{Target}

The algorithm tests different withdrawal amounts until it finds the one that leaves the target balance at the end of the period.

Balance update per period ( $B_t$ ) :

B_t = (B_{t-1} - W_t) \times (1 + r_p)

Withdrawal inflation adjustment (if enabled) ( $W_t$ ) :

W_t = W_0 \times \left(1 + \frac{i}{100}\right)^{\frac{t}{n}}

If enabled, the withdrawn amount increases each period based on the specified inflation rate.

Amounts shown are in nominal dollars (not adjusted for inflation) unless stated otherwise.

This tool is provided for informational purposes only and does not constitute financial, tax, or professional advice.

Calculations are based on simplified assumptions (constant returns, fixed fees) that do not reflect actual market volatility.

Before making any financial decisions, please consult a qualified financial planner or advisor.

Results are estimates and do not guarantee future performance.