# Savings Withdrawal Calculator

*THE MOST USEFUL FINANCIAL CALCULATOR EVER DEVISED*

The Savings Withdrawal Calculator answers a universal question: ** How much money do I have to use throughout my retirement years?** The Calculator will tell you how much money you can withdraw from your savings monthly until its balance hits

**.**

*zero*The Calculator assumes that people begin selling their illiquid assets (things like homes and other real property) as they age. They convert the proceeds of these asset liquidations into safe government bonds or bank deposits. They also convert their higher-risk stock and bond investments into much safer US government bonds and bank savings.

Imagine how useful it is to know how long your savings will last. This Savings Withdrawal Calculator gives you the answer.

The Calculator will crunch the numbers and reveal the monthly amount you can withdraw from your savings until its balance hits ** zero**. If you have financial responsibilities to others, you first create a “set-aside” for them, then use the Calculator to determine the net portion of your savings needed to cover only your individual financial needs.

### To use the Savings Withdrawal Calculator, simply:

- Enter the net amount of savings you intend to spend entirely
__after subtracting__the amount you wish to set aside for dependents or to meet other financial responsibilities. - Enter the number of months you intend the savings to last (i.e., 25 years = 300 months).
- Enter the average annual interest rate (or rate of return) you expect over the duration of your withdrawal timeframe. We advise you to subtract from the return you plug into the Calculator the anticipated inflation rate for the same time period.