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.
Related calculators
Pension
Not retired yet? Project how much you'll accumulate by retirement based on contributions and expected return.
Calculate →Management Fees
See how much management fees subtract from your pension — and compare cheap vs expensive tracks.
Compare →Inflation
How inflation erodes purchasing power — and whether your return is enough to outpace it.
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.