Savings Withdrawal Duration

Estimate how long your savings will last if you make the same withdrawal every month. This tool is ideal for planning emergency funds, retirement drawdowns, sabbaticals, or tuition payments.

Include cash, investment accounts, or other funds allocated to this spending plan
Enter the amount you intend to withdraw each month before taxes

Financial information only, not investment advice.

Examples

  • $125,000 in savings with $2,750 monthly withdrawals ⇒ 45.45 months (~3.8 years)
  • $60,000 at $1,800 per month ⇒ 33.33 months (~2.8 years)
  • $250,000 at $3,200 per month ⇒ 78.13 months (~6.5 years)

FAQ

What if the withdrawal is zero?

If you are not withdrawing anything, the savings remain untouched and the duration is effectively unlimited.

Can I account for investment returns?

This basic model assumes no growth. Incorporate expected returns by adding monthly earnings to the savings amount or using a retirement projection tool.

Does this consider taxes?

No. Estimate after-tax spending power separately and adjust the withdrawal figure to include taxes or penalties.

How do I build a buffer for emergencies?

Reduce your planned withdrawal by 10–20% or keep several months of expenses in cash to cushion against market swings or unexpected bills.

Can I include occasional lump-sum costs?

Yes. Subtract the lump sum from savings first or spread the cost across monthly withdrawals before using the calculator.

Additional Information

  • Divide the result by 12 to convert months into years for long-term budgeting.
  • If you plan cost-of-living adjustments, rerun the calculation whenever your monthly withdrawal changes.
  • To include investment growth, add expected monthly earnings to the savings input or use a compound-withdrawal model.
  • Consider taxes or penalties separately if withdrawals come from retirement accounts or taxable investments.

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