Retirement Drawdown Calculator
Will your retirement savings last? See how many years your pot lasts, based on your monthly withdrawal, expected return, and inflation.
e.g. EPF balance + other savings.
Your monthly retirement spending.
e.g. EPF/FD ~4%.
To keep pace with inflation.
Your savings last about
15.3 years
184 months
Total withdrawn over that time
RM684,308.81
Starting savingsRM500,000.00
Monthly withdrawal (year 1)RM3,000.00
Investment return in month 1RM1,666.67
Total withdrawn over the periodRM684,308.81
Assumptions
- Each month the balance earns the expected return, then a withdrawal is taken.
- The withdrawal grows once a year by the inflation rate you set.
- Returns are assumed steady; real markets fluctuate year to year.
- The simulation stops at 100 years; an undepleted balance does not mean savings last forever.
This calculator provides estimates only. KiraSmart is not financial advice. Please verify with official sources or professionals before making decisions. Read full disclaimer
Information last reviewed: 2026-07-10 · Result type: user-input estimate
Frequently Asked Questions
How long will my retirement savings last?
It depends on your starting balance, how much you withdraw each month, and the return your savings earn. Each month the balance earns a return and you take out a withdrawal; if the withdrawal is bigger than the return, the pot slowly runs down. The simulation stops at 100 years. A balance remaining then does not establish that savings last forever.
What is a safe withdrawal rate?
A common rule of thumb is to withdraw around 4% of your savings per year, adjusted for inflation, so the money lasts roughly 30 years. Enter your own numbers here to see how your plan holds up — a lower withdrawal or a higher return makes savings last longer.
Does this include inflation?
Yes, optionally. Set an annual withdrawal increase (e.g. 3%) and the calculator raises your monthly withdrawal each year so your spending keeps pace with rising prices — which makes savings run out sooner than a flat withdrawal.