Savings Withdrawal Calculator
See how long your savings may last with a fixed monthly withdrawal, and the level payment that would deplete the account over the horizon you choose. Interest compounds monthly.
Sustainable monthly withdrawal
—
To last —
Modeled withdrawal
₹ 0.00
Months in schedule
0
Total withdrawn
₹ 0.00
Interest earned
₹ 0.00
Ending balance
₹ 0.00
Horizon (months)
0
Start date
—
Last payment
—
Balance over time
| S.No | Date | Withdrawal | Interest | Balance |
|---|
How to Use This Calculator
- Enter your savings balance and the annual interest rate you expect while funds remain on deposit.
- Enter the monthly withdrawal you want to test (use 0 to see only the sustainable payment for your time horizon).
- Set how long you want savings to last using Years and Months; we show the fixed payment that would exactly deplete the balance over that horizon.
- Choose a Start date (month and year) for the first row on the withdrawal schedule and exports.
- Click Calculate to see duration (when you enter a withdrawal), the horizon-based payment, a balance chart, and the month-by-month schedule. Export the schedule with Excel or PDF.
Frequently Asked Questions
Is the sustainable withdrawal guaranteed?
It is a mathematical level payment assuming a constant rate and no additional deposits; actual bank rates and taxes can change results.
Why does my fixed withdrawal run out before the horizon?
If you withdraw more than the sustainable amount for that horizon, the balance reaches zero earlier; the chart and schedule show when that happens (capped at 600 months).
Are withdrawals taxed?
This tool does not estimate income tax on withdrawals; consult a tax professional for taxable vs non-taxable accounts.
