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.
FAQ
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.
Are my entered amounts stored anywhere?
No. All calculations happen exclusively in your browser. Your inputs are never sent to our server or stored. You can safely enter sensitive financial data.
Guide
Quick Answer
The withdrawal plan calculator computes how long capital lasts with regular withdrawals and ongoing interest.
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 your withdrawal plan step by step: 1. Enter the starting capital: The assets you want to withdraw from (e.g. 200,000 EUR). 2. Set the monthly withdrawal: The amount you need on a regular basis. 3. Enter the expected return: The annual interest during the withdrawal phase (conservatively 3-4 %). 4. Calculation: The calculator determines how long the capital lasts. Formula: Duration = -ln(1 - capital x monthly interest / withdrawal) / ln(1 + monthly interest). 5. Check alternative scenarios: Maximum withdrawal for a desired term or the return required. 6. The 4 % rule as a guide: An annual withdrawal of 4 % of the initial capital is considered sustainable for 30 years. Example: 200,000 EUR starting capital, 1,000 EUR monthly withdrawal, 3 % return p.a. Monthly interest: 0.25 %. Without return: 200,000 / 1,000 = 200 months (16.7 years). With 3 % return: about 240 months (20 years). 4 % rule: 200,000 x 4 % = 8,000 EUR/year = 667 EUR/month for about 30 years.
Calculation Example
200.000 EUR starting capital, 1.000 EUR/month withdrawal, 3 % return. The capital lasts about 20 years (240 months). Under the 4 % rule: max. 667 EUR/month for about 30 years.
Sources · E-E-A-T
Official sources
Calculations are based on applicable German laws and official data:
- Deutsche Bundesbank
- Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
- Statistisches Bundesamt (Destatis)
Full methodology at Methodology.
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