The projection shows the balance path and whether savings are depleted during the selected period.
Finance calculator
Savings Withdrawal Calculator
Test a planned drawdown against a starting balance instead of relying on a single end-balance estimate.
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No account. Formula and assumptions are shown below.
Calculator inputs
Savings withdrawal details
Formula & disclaimer
Next Balance = Current Balance Γ (1 + Monthly Return) β Monthly Withdrawal, with the withdrawal adjusted annually if entered
View assumptionsFormula reviewCalcs at Hand Editorial TeamVerified 1 September 2026 Β· automated checks included
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Resultβ
Projection
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Formula & details
Calculation
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How to read this result
Three useful checks, kept deliberately short.
RM300,000 with RM2,000 monthly withdrawals, 4% return and 2% annual withdrawal growth: Apply one month of estimated return Β· Subtract the monthly withdrawal Β· Increase withdrawals at each completed year.
Taxes, fees, irregular withdrawals and investment risk are not automatically included.
Formula and assumptions
Next Balance = Current Balance Γ (1 + Monthly Return) β Monthly Withdrawal, with the withdrawal adjusted annually if enteredThe sequence of actual investment returns can produce a different result from a constant average return.
Keep in mind: This deterministic projection is not retirement advice or a guarantee that a portfolio will earn the entered return.
Produced byCalcs at Hand Editorial Team
Last formula check1 September 2026
Review methodKnown examples + boundary cases
Editorial and correction policy β