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Investment Calculators

Investment Savings and Distributions

Use this calculator to see how long your investment savings can last once you begin taking distributions.

Inputs
$
$
%
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Estimates only. Adjust any value to recalculate instantly.

Results
Balance when you switch to income $754,120 funds $60,000/yr for 19.9 years
Total contributed $205,000
Growth while saving $549,120
Balance at switch $754,120
Income lasts 19.9 yrs
How the balance was built
How the balance was built Contributions: $205kGrowth: $549k
  • Contributions $205k
  • Growth $549k

After 25 years of saving you reach $754,120, which then supports $60,000 a year for about 19.9 years. Lower withdrawals or higher returns extend the income.

Year-by-year (saving phase)View table
YearContributionsInterestBalance
1$7,200$2,345$34,545
2$7,200$3,137$44,882
3$7,200$3,995$56,077
4$7,200$4,924$68,202
5$7,200$5,931$81,332
6$7,200$7,020$95,553
7$7,200$8,201$110,954
8$7,200$9,479$127,633
9$7,200$10,863$145,696
10$7,200$12,363$165,259
11$7,200$13,986$186,445
12$7,200$15,745$209,390
13$7,200$17,649$234,239
14$7,200$19,712$261,151
15$7,200$21,945$290,296
16$7,200$24,364$321,860
17$7,200$26,984$356,045
18$7,200$29,821$393,066
19$7,200$32,894$433,160
20$7,200$36,222$476,582
21$7,200$39,826$523,608
22$7,200$43,729$574,538
23$7,200$47,956$629,694
24$7,200$52,534$689,428
25$7,200$57,492$754,120

How the investment savings and distributions calculator works

It runs two phases: years of saving and compounding to find your balance at retirement, then a drawdown phase where it counts how long that balance funds your desired annual income while still earning a return.

Worked example

Worked example: with starting balance of $25,000, monthly contribution of $600 and years of saving of 25, the investment savings and distributions calculator shows balance when you switch to income of $754,120.

Total contributed
$205,000
Growth while saving
$549,120
Balance at switch
$754,120
Income lasts
19.9 yrs

The formula

Accumulation: balance compounds with monthly contributions. Distribution: balance = balance × (1 + return) − withdrawals, until depleted or self-sustaining.

Results are estimates for educational purposes and are not financial advice. Confirm exact figures with your lender, plan administrator or advisor.

Frequently asked

Questions about the investment savings and distributions

Why model both saving and spending?

Because they are two halves of one plan. The balance you build determines the income you can draw, and modelling both shows whether your saving will support your retirement.

What if my income lasts indefinitely?

That happens when your drawdown-phase returns cover the withdrawals, leaving the principal intact. It signals a very sustainable, possibly conservative, withdrawal level.

How do I make the income last longer?

Save more or longer, earn a better return, or withdraw less. Even small changes in the withdrawal amount strongly affect how many years the balance lasts.

Is the Investment Savings and 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.

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