Withdrawal Plan Calculator
Plan regular withdrawals from your assets. Calculate how long your capital will last. Free with amortization schedule, interest comparison, examples for 2026.
Capital lasts for
27 years 7 months
Total withdrawals
165.066,44 €
Interest received
65.066,44 €
Perpetual annuity (max. withdrawal)
333,33 €/month
Note: Your withdrawal of 500,00 €/month exceeds the perpetual annuity of 333,33 €/month. The capital will be depleted.
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
Frequently Asked Questions
What is a withdrawal plan?
A withdrawal plan allows you to receive regular payments from an invested capital sum. You can choose between capital preservation (only withdrawing returns) or capital consumption (gradually using up the principal).
How long will my savings last with a withdrawal plan?
The duration depends on the invested capital, withdrawal amount, and investment return. As a rule of thumb, a 4% annual withdrawal rate is considered sustainable for 30+ years in a diversified portfolio.
What is the Withdrawal Plan Calculator?
The withdrawal plan calculator computes how long capital lasts with regular withdrawals and ongoing interest.
How does the Withdrawal Plan Calculator work?
Enter starting capital, monthly withdrawal and return. The calculator determines when the capital is exhausted. Alternatively it computes the maximum withdrawal for a desired period or the required return.
Key Data and Facts
Common in retirement planning (decumulation). 4% rule of thumb: withdraw 4% of initial capital per year. Consider flat-rate tax on investment income.
Step-by-Step Guide
How to calculate Ihren Entnahmeplan step by step: 1. Startkapital enter: Das Vermoegen, aus dem Sie entnehmen moechten (z. B. 200.000 EUR). 2. Monatliche Entnahme festlegen: Der Betrag, den Sie regelmaessig benoetigen. 3. Erwartete Rendite enter: Die jaehrliche Verzinsung waehrend der Entnahmephase (konservativ 3-4 %). 4. Berechnung: Der Rechner ermittelt, wie lange das Kapital reicht. Formel: Dauer = -ln(1 - Kapital x Monatszins / Entnahme) / ln(1 + Monatszins). 5. Alternative Szenarien pruefen: Maximale Entnahme bei gewuenschter Laufzeit oder noetige Rendite. 6. 4-%-Regel als Orientierung: Jaehrliche Entnahme von 4 % des Anfangskapitals gilt als nachhaltig fuer 30 Jahre. Beispiel: 200.000 EUR Startkapital, 1.000 EUR monatliche Entnahme, 3 % Rendite p. a. Monatszins: 0,25 %. Ohne Rendite: 200.000 / 1.000 = 200 Monate (16,7 Jahre). Mit 3 % Rendite: ca. 240 Monate (20 Jahre). 4-%-Regel: 200.000 x 4 % = 8.000 EUR/year = 667 EUR/month fuer ca. 30 Jahre.
Calculation Example
200.000 EUR Startkapital, 1.000 EUR/month Entnahme, 3 % Rendite. Kapital reicht ca. 20 Jahre (240 Monate). Nach 4-%-Regel: max. 667 EUR/month fuer ca. 30 Jahre.
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