FINANCIAL

Fixed-Term Fund Withdrawal Calculator

Free · No sign-up

Compute a steady end-of-month withdrawal that exhausts an entered fund after a fixed number of months.

Your result

FINANCIAL

Enter your values and select calculate.

Next steps

Choose a related calculation for your next question. Enter your values on the next page.

Retirement Funding Scenario Calculator Model annual spending after other income with equal withdrawals at year ends.
Employer-Match Savings Scenario Calculator Model a simple employer matching arrangement with constant salary and annual end-year contributions.
US Retirement Contribution Limit Calculator Check a planned employee 401(k) or basic IRA contribution against year and age limits.

On this page How it works & practical examples

How to use the Fixed-Term Fund Withdrawal Calculator

Compute a steady end-of-month withdrawal that exhausts an entered fund after a fixed number of months. The return is constant and compounded monthly.

The calculation

Monthly withdrawal = balance × r/[1−(1+r)^−n], with monthly r=annual/12

Worked example

$120,000 over 120 monthly withdrawals at 0% return supports $1,000 per month and ends at zero.

Assumptions and limits

No guarantee of income or principal protection. Taxes, investment fees, inflation and market sequence risk are excluded; the model is not a lifetime payout.

Common questions

Which inputs should I use?