Savings Distribution Calculator
Use this calculator to determine savings balance after a series monthly, quarterly or annual withdrawals.
How the savings distribution calculator works
It draws a fixed amount from your balance each month while the remainder keeps earning a return, stepping forward until the money runs out — or showing that earnings fully cover the withdrawals, in which case it lasts indefinitely.
Worked example: with starting balance of $250,000, monthly withdrawal of $2,000 and annual return while invested of 4.00%, the savings distribution calculator shows your savings last of 13.5 years.
- Months of income
- 162 mo
- Total withdrawn
- $324,000
- Of which earnings
- $74,000
- Starting balance
- $250,000
The formula
Each month: balance = balance × (1 + r) − withdrawal. If the monthly return exceeds the withdrawal, the principal is never touched.
Results are estimates for educational purposes and are not financial advice. Confirm exact figures with your lender, plan administrator or advisor.
Questions about the savings distribution calculator
How long will my savings last?
It depends on the balance, your withdrawal amount and the return earned. The calculator counts the months until depletion, or flags that it can last forever.
When do savings last indefinitely?
When your monthly investment earnings are at least as large as your withdrawal, you never spend principal — so the balance is self-sustaining.
How can I make my savings last longer?
Lower the monthly withdrawal, earn a higher return, or start with a larger balance. Even small reductions in withdrawals extend the timeline significantly.
Is the Savings Distribution Calculator 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.