Free Systematic Withdrawal Calculator
Plan Your Regular Withdrawals from Investment Funds
The Systematic Withdrawal Calculator helps investors plan regular withdrawals from their investment accounts while ensuring the portfolio lasts for the desired time period. By entering the initial investment, expected rate of return, and withdrawal frequency, this tool calculates how much you can safely withdraw without depleting your funds too early. Ideal for retirees or anyone needing a steady income stream, this calculator allows for careful financial planning, prevents over-withdrawal, and maintains long-term portfolio sustainability. Using this tool gives clear insights into the amount you can withdraw each period, helping you make informed decisions and enjoy a stable income while your investments continue to grow.
Systematic Withdrawal Calculator
Estimate how long your savings will last with regular withdrawals.
Calculation Results
Future Value
₹0.00
Total Withdrawn
₹0.00
Total Returns
₹0.00
Systematic Withdrawal Calculator Guide
The Formula We Use
Final Value (FV) = PV × (1 + r)^n - W × [((1 + r)^n - 1) ÷ r]Sustainable Withdrawal (W) for FV = 0 = PV × r × (1 + r)^n ÷ ((1 + r)^n - 1)Tenure (n) until FV = 0 = ln(W ÷ (W - PV × r)) ÷ ln(1 + r)PV= current corpus,W= periodic withdrawal,r= periodic rate,n= number of periods- Use monthly values if you withdraw monthly:
r = annual rate ÷ 12,n = years × 12
Example Calculation
- Sustainable W for FV = 0 = ~ $1,672.88 per month
- If you withdraw $1,500 per month for 20 years, FV ≈ $101,829.93 (corpus not fully depleted).
- Rule of thumb: Higher r or shorter n allows a higher sustainable W.
How to Use This Calculator
- Enter PV (current corpus), annual rate, withdrawal frequency, and either W, n, or target FV.
- Choose what to solve: Sustainable W, Final Value after a chosen n, or Tenure until depletion.
- Review results and adjust W or n to fit your income needs and risk level.
- Plan a buffer for lower-than-expected returns and rising expenses.
Tips for Systematic Withdrawals
- Sequence risk: Early negative returns can shorten sustainability; consider a lower starting W.
- Cash buffer: Keep 6 to 24 months of withdrawals in low risk assets to avoid forced selling.
- Dynamic rules: Adjust W annually based on performance and inflation.
- Mind taxes and fees: They reduce the effective r and sustainable W.
This is educational content, not financial advice.
Benefits of Using Our
Systematic Withdrawal Calculator
Plan Your Withdrawals
Calculate how much you can withdraw regularly without exhausting your investment too soon.
Track Portfolio Longevity
See how long your portfolio will last under different withdrawal rates.
Customizable Inputs
Adjust principal amount, withdrawal frequency, and expected returns for precise planning.
Retirement Planning Made Easy
Optimize your retirement withdrawals to maintain financial stability.
Mobile-Friendly
Accessible on smartphones, tablets, and desktops with full functionality.
Secure & Private
All calculations are done locally; your data is never stored or shared.
Frequently Asked Questions
What is a Systematic Withdrawal Calculator?
This calculator helps you determine sustainable withdrawal amounts from your investment portfolio over time.
How do I calculate my withdrawals?
Enter your investment amount, expected return rate, and desired withdrawal period to see recommended amounts.
Can it factor in portfolio growth?
Yes, the calculator includes compounding to estimate withdrawals while accounting for investment growth.
Is it suitable for retirement planning?
Absolutely. It helps plan regular withdrawals to maintain income and preserve your portfolio.
Can I try different withdrawal frequencies?
Yes, adjust the withdrawal frequency to compare monthly, quarterly, or annual payouts.
Is my data secure?
Yes. All data is processed locally in your browser, ensuring full privacy and security.