Drawdown Calculator
How long will my savings last? Enter a starting balance, a fixed monthly withdrawal and an annual return, and see how many years the money lasts. As long as the return exceeds the withdrawal rate, the principal won't deplete.
Enter your data
₪1,500,000
₪8,000/mo · ₪96,000/yr
3% per year (real, after inflation)
Results
DEPLETION_AGE
Age 89
The balance lasts about 21.2 years from today
TOTAL_WITHDRAWN
₪2,032,000
Total drawn over the period
SUSTAINABLE_MONTHLY
₪3,750
Maximum monthly draw that leaves principal intact (= monthly return on starting balance)
Balance by age
| Age | Drawn this year | Year-end balance |
|---|---|---|
| 68 | ₪96,000 | ₪1,448,293 |
| 70 | ₪96,000 | ₪1,340,113 |
| 72 | ₪96,000 | ₪1,225,251 |
| 74 | ₪96,000 | ₪1,103,297 |
| 76 | ₪96,000 | ₪973,811 |
| 78 | ₪96,000 | ₪836,328 |
| 80 | ₪96,000 | ₪690,354 |
| 82 | ₪96,000 | ₪535,366 |
| 84 | ₪96,000 | ₪370,806 |
| 86 | ₪96,000 | ₪196,084 |
| 88 | ₪96,000 | ₪10,570 |
| 89 · depleted | ₪16,000 | ₪0 |
In the final row, balance hits 0. In practice depletion may occur mid-year; the table marks it as 0 at year-end.
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Illustrate →Notes on the calculation
- Real return, enter a return after inflation. 3% is a standard conservative value for a balanced portfolio.
- Fixed withdrawal, the model assumes an identical monthly withdrawal, with no inflation adjustment (since you already entered a real return). Values are in today's purchasing power.
- When funds never deplete, when the monthly withdrawal is lower than the monthly return on the balance. The principal is preserved or grows.
- Sequence-of-returns risk, in reality returns vary year to year. Negative returns early in retirement can significantly shorten how long the balance lasts.
- The 4% rule, Bengen (1994) showed that a 4% annual withdrawal from a balanced portfolio survives ~30 years in 95% of historical cases.