Savings withdrawal runway planner.
Model fixed monthly withdrawals, growth or losses, and the first funding shortfall.
UNDERSTAND THE ESTIMATE
How to use this planner
Enter starting savings, a fixed monthly withdrawal, a constant effective annual growth or loss assumption and a finite horizon. Compare that assumption with zero growth.
The calculation
Monthly multiplier = (1 + annual growth / 100)^(1/12). Each month, apply growth or loss, then withdraw at month end. The actual withdrawal cannot exceed available savings. The first underfunded withdrawal ends that scenario.
Constant effective annual growth and end-of-month withdrawals over a chosen finite horizon. No inflation, volatile returns, taxes, fees, account restrictions or withdrawal recommendations. Estimates are not financial advice.
SEC Investor.gov guidance on managing lifetime income ↗ILLUSTRATIVE EXAMPLE
Follow the numbers
Start with 1,000, withdraw 400 monthly and assume zero growth. Two months are fully funded. In month three, only 200 is available, leaving a withdrawal shortfall of 200.
Does this establish a safe retirement withdrawal rate?
No. A constant-rate, finite-horizon model does not represent volatile returns or sequence risk. Inflation, taxes, fees, deposits and account-access rules are excluded.