Educational estimate only. Not retirement, tax, or investment advice. Assumes a fixed withdrawal and constant growth rate you type—markets and spending change.
Balance over time
Selected monthsCompare monthly withdrawals
Same balance and growth rate| Withdrawal | Duration | Total withdrawn |
|---|
Month-by-month schedule
First years · educational path| Month | Start | Growth | Withdrawal | End |
|---|
Key takeaways
- Sample only: $100,000.00 withdrawn at $2,000.00/mo with 0% growth lasts about 4 yr 2 mo (total withdrawn ~$100,000.00).
- Higher withdrawals shorten the runway; sample growth can lengthen it—or make the balance look sustainable under constant rates.
- Not a plan: real markets, inflation, and spending change. This is transparent drawdown math for learning.
- How this calculator works
How it works
Each month the model can add growth on the starting balance, then subtract your withdrawal. Details: how we calculate.
Worked examples
Guides
How does this calculator work?
It subtracts a fixed monthly withdrawal from your starting balance, with optional monthly growth from an annual rate you type. Sample: $100,000.00 at $2,000.00/mo with 0% growth lasts about 4 yr 2 mo. Educational only.
Is the growth rate a market forecast?
No. You type a sample annual rate. Nestfigure does not forecast markets or recommend investments.
What if growth covers the withdrawal?
If monthly growth on the starting balance is at least the withdrawal, the model reports that the balance does not run out under those constant assumptions—not a guarantee.
Can I prefill from a link?
Yes. Parameters: balance, withdrawal, return.
Is this retirement advice?
No. Educational arithmetic only—not Social Security, tax planning, or withdrawal-rate advice.
How we calculate · Common questions · Sample prefill · Savings goal · Compound interest
Disclaimer: Educational estimates only—not retirement advice, investment recommendations, Social Security guidance, or guaranteed outcomes.
YMYL notice: This site is for education only. It is not financial, tax, or investment advice. Nestfigure is not a bank, credit union, broker, investment adviser, or fiduciary. Product terms, rates, and penalties vary—always read your institution’s disclosures before acting. Calculator results are mathematical estimates, not bank quotes.