Withdrawal plan calculator
How long does your capital last with monthly withdrawals – or how much can you draw for X years? Including return, inflation, and a target remaining balance.
Capital over time
Note: Model calculation with a constant return – real markets fluctuate. In a real portfolio, the sequence of returns ("sequence risk") – especially in the early years of withdrawal – can cause capital to run out faster than the model suggests. Swiss taxes and AHV (state pension) income are not included. Not investment or retirement advice.
Frequently asked questions about withdrawal plans
What is a withdrawal plan?
A withdrawal plan shows you how long your capital lasts when you take a fixed amount out each month – while the remaining capital continues to earn a return. The classic model for the retirement phase, a sabbatical, or early retirement.
Why does inflation matter so much?
At 2% inflation, purchasing power halves in around 35 years. If your monthly withdrawal stays constant in nominal terms, you can afford significantly less at the end. The calculator can automatically adjust withdrawals for inflation each year – so your purchasing power is preserved.
What return is realistic during retirement?
With a reduced equity allocation (50–60%) and the rest in bonds/cash, long-term returns typically lie in the 3–4% range. Staying invested in equities longer can produce more – but with higher risk of ill-timed market crashes ("sequence risk").
What is the 4% rule?
A rule of thumb: if you withdraw 4% of your starting capital per year (inflation-adjusted), there is a high probability that your capital will last 30+ years. The rule is based on US data (Trinity Study). For Switzerland with lower returns and lower inflation, 3.0–3.5% is a more conservative variant.
Plan your real retirement
Geldfuchs combines your total wealth with AHV (state pension), Pensionskasse (employer pension), and Pillar 3a – and simulates different retirement scenarios with your real numbers.
🦊 Request Geldfuchs alpha →