Withdrawal Plan Calculator.
Plan your retirement income. Calculate how long your savings will last with regular withdrawals.
With a monthly withdrawal of 1.000 €, your capital will be depleted after 111 months.
Withdrawal Plan: Making Your Money Last
A withdrawal plan helps you systematically draw down your savings during retirement. The key question is: how much can you withdraw monthly without running out of money too soon?
Capital Depletion
With capital depletion, you gradually consume your entire savings over a defined period. You receive higher monthly payouts, but the capital is fully spent at the end.
Perpetual Annuity
With a perpetual annuity, you only withdraw the returns and preserve the capital indefinitely. The monthly payout is lower, but your savings never run out.
Don't Forget Inflation
When planning your withdrawal, account for inflation. If prices rise 3% annually, your 1,000 euros monthly will only have the purchasing power of about 740 euros in 10 years. Consider increasing your withdrawals annually to maintain purchasing power.
Häufige Fragen zum Entnahmeplan
Sources & References (2026)
All calculations are based on the official legal provisions for 2026. Despite careful research, no guarantee is given for correctness. This calculator does not replace professional tax advice.
Wichtiger Hinweis zur Berechnung
Diese Ergebnisse basieren auf den offiziellen Formeln des BMF (2026). Da individuelle steuerliche Merkmale (z.B. Freibeträge) variieren können, sind alle Angaben ohne Gewähr. Dieser Rechner ersetzt keine professionelle Steuerberatung. Mehr im Impressum.