PLAN TO LIVE

Investment Drawdown Calculator

Live calculator — see how long your money lasts
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Your Starting Numbers
Type into each box. Everything below updates as you go.
LINE ITEMVALUE
Initial investment
$
Expected annual return
%
Monthly withdrawal
$
Annual inflation for withdrawals
%
Start year
 
Years to project (max)
 
Your Projected Outcome
Three numbers tell the story: how long the money lasts, what you take, what remains.
LINE ITEMVALUE
Years projected
 —
Ending balance (final year)
$—
TOTAL LIFETIME WITHDRAWALS
—
HOW YOUR PLAN IS WORKING
Enter your numbers above to see a personalized read of your plan.
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Year-by-Year Projection
One row per year. Updates live as you change the inputs above.
YearAnnual WithdrawalCumulative WithdrawnEnding Balance
Definitions & Glossary
Initial investment
The lump sum you start with. This is the balance on day one, before any growth or withdrawal.
Use the current value of the account you plan to draw from — RRSP, TFSA, 401(k), or taxable.
Expected annual return
The yearly growth you assume your portfolio earns, applied before each withdrawal.
A balanced 60/40 portfolio has historically returned 5 to 7 percent per year. Use a conservative number so you don't over-promise yourself.
Monthly withdrawal
The dollar amount you plan to take out each month. The calculator multiplies it by 12 to get the annual draw.
Start with what you need for housing, food, utilities, and basic living. The classic 4% rule suggests drawing no more than 4% of your starting balance per year.
Annual inflation for withdrawals
How much more you'll withdraw each year to keep the same buying power as prices rise.
The Canada and US long-term average is 2 to 3 percent. Flat (non-indexed) withdrawals lose real value over time — what buys $1,000 of groceries today costs more in 10 years.
Start year / years to project
When you begin drawing, and how far out the projection runs. 30 to 40 years is a common retirement horizon.
Ending balance
What's left at the final year. A positive number means the money outlasted the plan. Zero means it ran out early.
If it runs out early: grow the starting amount, lower the monthly draw, or extend your working years.
Index withdrawals annually by inflation
When this box is checked, your annual withdrawal grows by the inflation rate each year. This keeps your purchasing power stable — you'll be able to buy the same things in year 10 as in year 1. When unchecked, your dollar withdrawal stays flat, which means it buys a little less each year.
Rule of thumb: most people planning for retirement should leave this checked. It gives a more realistic picture of how long your money truly lasts.
Stop projection when balance reaches zero
When checked, the projection stops the moment your balance hits zero — no more rows appear after the money runs out. When unchecked, the table keeps running for all the years you chose, showing $0 withdrawal and $0 balance in the rows after depletion. Unchecking it helps you clearly see how many years you'd be without funds.
Rule of thumb: uncheck this to get a clear visual of the gap. If the zero rows extend for 10 or 15 years, that's a signal to revisit the starting balance or withdrawal amount.
For educational purposes only. Not individualized financial advice. ©Plan To Live Inc.
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