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Total withdrawn over that time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
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.
- If withdrawals stay below the return earned, savings last indefinitely (shown as 100+ years).
This calculator provides estimates only. KiraSmart is not financial advice. Please verify with official sources or professionals before making decisions. Read full disclaimer
Rates last reviewed: 2026-07-10 · Accuracy: estimate
Frequently Asked Questions
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KiraSmart Retirement Drawdown Report
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Input Details
| Current Savings | RM 500,000.00 |
| Monthly Withdrawal | RM 3,000.00 |
| Expected Annual Return | 4% |
| Annual Withdrawal Increase | 3% |
Calculation Results
| Savings last | 15.3 years |
| Starting savings | RM500,000.00 |
| Monthly withdrawal (year 1) | RM3,000.00 |
| Investment return in month 1 | RM1,666.67 |
| Total withdrawn over the period | RM684,308.81 |
Additional Notes (Handwritten)
This report was automatically generated by KiraSmart.my for estimation and general reference only. It does not constitute formal financial advice. Users are advised to verify values with relevant official bodies.
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