Investment Distributions
This calculator helps you determine either how long or how much periodic distributions can be taken out of an investment before it runs out.
How the investment distributions calculator works
It draws your annual distribution from the portfolio each month while the remaining balance keeps earning a return, counting the years until it is exhausted — or showing the income is sustainable indefinitely.
Worked example: with portfolio balance of $500,000, annual distribution of $30,000 and annual return of 5.00%, the investment distributions calculator shows distributions last of 35.9 years.
- Years of income
- 35.9 yrs
- Withdrawal rate
- 6.0%
- Total distributed
- $1,077,500
- Annual distribution
- $30,000
The formula
Each month: balance = balance × (1 + monthly return) − monthly distribution. If earnings exceed distributions, the principal is preserved.
Results are estimates for educational purposes and are not financial advice. Confirm exact figures with your lender, plan administrator or advisor.
Questions about the investment distributions
How long will my portfolio last in retirement?
It depends on your balance, withdrawal amount and return. The calculator counts the years until depletion, or flags that your withdrawals are covered by returns.
What is a safe withdrawal rate?
A common guideline is about 4% of the starting balance a year (adjusted for inflation), which has historically lasted 30+ years. Higher rates shorten the timeline.
How can I make distributions last longer?
Withdraw less, earn a steadier return, or start with a larger balance. Flexibility — taking less in down markets — also helps a portfolio recover and endure.
Is the Investment Distributions free to use?
Yes. Every calculator on FinCalculators is completely free, with no sign-up, login or paywall. You can run as many scenarios as you like.