Result
Balance at the end of the term
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This calculation is for informational purposes only and does not replace advice from a qualified professional. Formulas and rates may not fit your exact situation — double-check the figures before making decisions.
How it is calculated
Balance = starting amount × (1+monthlyRate)^n − withdrawal × ((1+monthlyRate)^n − 1) ÷ monthlyRate, where monthlyRate is the annual rate ÷ 12 ÷ 100 and n is the term in months. This is the same annuity formula as for contributions, with the cash flow's sign flipped.
A negative result means the capital runs out before the end of the chosen term at that withdrawal rate and return — try lowering the withdrawal, raising the starting amount, or shortening the term to see when the balance turns positive.
The calculation assumes a steady return and withdrawals made exactly at the end of each month — real returns fluctuate, and with high volatility the capital can run out sooner than this averaged calculation shows.