Tools / Withdrawal plan calculator
Part of the topic: 🐷 Saving, loans & retirement
Withdrawal plan: how long will my money last?
Enter your capital, the expected return and either a monthly withdrawal or a duration. Before taxes; returns are not guaranteed.
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🔒 Runs entirely in your browser – nothing you enter is uploaded or stored.
How to use it
- Enter starting capital and expected return.
- Enter a monthly withdrawal – or a duration to get the possible withdrawal.
- Optionally raise the withdrawal with inflation.
Your inputs live only in the link, not on our server.
Last checked: October 2026. Found a mistake? Use the form below – we fix confirmed errors and update the date.
Frequently asked questions
What is the 4 % rule?
A rule of thumb from US studies: withdrawing 4 % of the starting capital per year (inflation-adjusted) lasted about 30 years in most historical periods.
Are taxes included?
No – gains in Germany are subject to the 25 % flat tax plus solidarity surcharge after the saver's allowance.