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Quick calculator guide

How to use Retirement Drawdown Calculator

Will your retirement savings last? See how many years your pot lasts at your withdrawal, return and inflation. Results are educational estimates, not official approval or advice.

  1. 1

    Enter savings and planned withdrawals

    Add starting retirement savings, monthly spending, expected investment return and annual increase in withdrawals.

  2. 2

    Read how long the fund may last

    Review the estimated depletion point, total withdrawals and remaining balance path rather than only the first-year amount.

  3. 3

    Stress-test spending and returns

    Raise withdrawals or inflation and lower returns to see whether the plan survives less favourable conditions.

Before relying on the result

  • Investment returns, inflation, tax, fees and lifespan are uncertain; use multiple scenarios and professional advice when needed.
  • Notice the rate date and assumptions stated on the page.
  • Confirm important decisions with the relevant bank, employer, or authority.
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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Total withdrawn over that time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Total withdrawn over the periodRM684,308.81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.
  • 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

Information last reviewed: 2026-07-10 · Result type: user-input estimate

Frequently Asked Questions

Related Calculators

Fixed Deposit Calculator Malaysia→ASB Dividend & Financing Calculator→EPF Retirement Savings Projection→
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