Adjust the inputs below. Results update as you type.
Enter your starting balance, expected annual return, and desired monthly withdrawal. The calculator solves for either the duration or the maximum sustainable payment using present-value annuity math. Inflation and taxes are not included; real purchasing power will decline unless you adjust withdrawals over time.
Level monthly withdrawal that fully amortizes a lump sum at a fixed nominal rate (end-of-month payments).
Monthly payout
$1,719.72
240 payments → $412,732.38 total (before fees/taxes).