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Withdrawing every month is the reverse of investing every month. See how long a corpus actually lasts against a fixed monthly withdrawal — or whether it lasts indefinitely.
Check how long your corpus lasts
At this withdrawal rate and return, the corpus is projected to run out in 22 years, 6 months.
How this is calculated
Each month, the remaining balance grows at your expected rate of return, then the withdrawal is subtracted: Next balance = Balance × (1 + monthly rate) − Withdrawal. If the withdrawal is smaller than what the corpus earns in a month, the balance never shrinks — it either holds steady or keeps growing, which is why some combinations of corpus, withdrawal, and return last indefinitely rather than reaching a finite payout period.
This is the same math behind a FIRE safe withdrawal rate and post-retirement drawdown planning — a withdrawal rate low enough relative to expected returns is, by definition, one the corpus can sustain indefinitely.
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