← Home
Finance Calculator
Play with compound interest and withdrawals. Time and return make the biggest difference.
%
Historical figures (last 15–20 years, including crashes), no guarantee of future results.
What you paid in
…
Interest earned
…
Final balance
…
Max monthly withdrawal afterwards
…
If your money keeps earning the same return, you take out exactly one month of interest. Your capital stays the same: you basically live off the interest.
Rule of 72: …
Contributions
Interest
%
Historical figures (last 15–20 years, including crashes), no guarantee of future results.
Full depletion
…
Max monthly withdrawal preserving capital
…
Assumptions: monthly contributions at start of month. Inflation 2 % per year when active. No taxes, no fees.
Monthly withdrawal at full depletion Historical figures (last 15–20 years, including crashes), no guarantee of future results. Cash: virtually risk-free, but inflation erodes real value. MSCI World: vol ~17%, broadly diversified globally. S&P 500: vol ~20%, max drawdown −56% (2008). QQQ: vol ~23%, max drawdown −56% (Tech 2008) / −35% (2022). Older: −80% (2000–2002).