Savings goal calculator
The monthly amount to reach a sum by a date.
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Withdrawal calculator
How long a sum lasts when you take money out each month, and what it can pay for 10, 20, 30 or 40 years.
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- Nothing you type is stored
The money and the withdrawals
How long it lasts
$300,000.00 at 5% a year, taking $2,000.00 a month, lasts about 19 years and 4 months.
- Growth alone
- $1,222.24 a month can come out without touching the balance, if the return holds.
The monthly amount the balance pays for so long at the same return.
| Lasts | Each month |
|---|---|
| 10 years | $3,165.71 |
| 20 years | $1,961.51 |
| 30 years | $1,590.17 |
| 40 years | $1,424.59 |
| For as long as the return holds | $1,222.24 |
Education only, not investment advice. The answer comes from the numbers you typed in, not from your account or the market. Simulated results are hypothetical and have limits: real trading has slippage, gaps, changing results and emotions. Trading leveraged products can lose money quickly, including all of it. Risk warning
Educational only, not financial advice; trading involves risk.
The order of the returns matters too
With 300,000 earning 5% a year, taking 2,000 a month lasts a little over 19 years. The same average return can run out sooner if the bad years come first, because money taken out in a fall is gone before the recovery. A steady rate, as here, is the kind case; keep a margin.
To reach the balance in the first place, use the savings goal calculator; to see the withdrawals in today's money, the real return calculator.
Not advice. Arithmetic on the numbers you type; fees, taxes, inflation and uneven returns are left out.
Next tools
Real return calculator
A return after inflation, in today's money.
Compounding calculator
A monthly return compounded, with uneven months.
Pricing
Three ways in. Pick yours.
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Baroq never holds your money and never trades for you. Educational only, not financial advice; trading involves risk.