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Below: the highest withdrawal for your planned duration

After costs; a mixed portfolio about 3–5%

Withdrawal type

More details30 years planned · no inflation adjustment · before tax
years

You can also drag the handle on the chart

Your money lasts

50+ years

50+ years

With €2,000.00 per month your capital lasts 50+ years. After 30 years, €526,576 is left.

€1,000,0000 yr10 yr20 yr30 yr40 yr50 yr
Remaining capitalAlready withdrawnDrag the handle to change the planned duration.
  1. 30 yrPlan end: €526,576 left
First-year withdrawal per month
€2,000.00
Withdrawal rate
4.8%
Maximum duration
50+ years
Remaining capital after 30 yrs.
€526,575.54
Assessment
Sustainable

What you can do

  • For exactly 30 years: up to €2,644 per month

    Tap the suggestion below the withdrawal to apply it.

  • Calculated without taxes

    Gains in a fund portfolio are subject to flat-rate withholding tax when sold. Under “More details” you can calculate after tax – the withdrawal is then the amount you actually receive.

  • At a 4% return

    your money only lasts 43 years. Plan a buffer.

How this was calculated

Year by year: deduct the withdrawal, credit the return on the capital at mid-year (simplified). With inflation adjustment, the withdrawal rises each year by the inflation rate.

Capital depletion: Fixed withdrawal, capital is used up. Capital preservation: Withdraw only returns, capital remains intact. Dynamic (4%): 4% of the current capital every year.

The 4% rule applies to a withdrawal duration of approx. 30 years.

The calculation is based on constant assumptions. Actual returns fluctuate. In poor market years at the start of the withdrawal phase, the capital can be depleted faster than planned (sequence-of-returns risk).

Withdrawal Plan Calculator by Rechnerzentrale(opens in a new tab)