A higher withdrawal relative to your balance means a higher annual withdrawal rate and usually a shorter runway when growth is low or zero.
Same balance, two draws (0% growth)
- $2,000.00/mo on $100,000.00 ≈ 24%/year → about 4 yr 2 mo
- $1,000.00/mo on $100,000.00 ≈ 12%/year → about 8 yr 4 mo
What this is not
Nestfigure does not define a “safe” withdrawal rate or model market crashes, inflation, or taxes. Use the calculator for transparent arithmetic only.
Related
Frequently asked questions
What is a withdrawal rate?
Roughly annual withdrawals divided by starting balance. Example: $2,000/month on $100,000 is about 24% per year.
Does Nestfigure recommend a safe withdrawal rate?
No. We only show arithmetic runway for inputs you type.
Related tool
Compare withdrawals free
Same balance, different monthly draws.
Open savings duration calculatorSources linked above include U.S. government materials (for example CFPB, FDIC, NCUA, BLS, IRS) where noted. Sample math uses only labeled Nestfigure assumptions—not bank quotes, job offers, or personalized advice. Last reviewed: August 9, 2026.