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A withdrawal plan is the counterpart to a savings plan: you have built up a capital sum and want to draw a steady monthly amount from it over a fixed period while the rest keeps earning a return. From the starting capital, the return per year and the duration this calculator shows the monthly withdrawal, the total paid out over the term and the interest earned along the way - plus a year-by-year table and the path of the remaining capital down to zero.
The calculation runs entirely locally in your browser, in pure JavaScript - nothing is uploaded and nothing is stored. The monthly withdrawal follows the annuity formula: the same maths as the loan calculator, except the capital is drawn down rather than repaid. Each month the remainder grows by the return, then the withdrawal is taken, so the capital is used up exactly at the end of the term. Change an input and the figures, table and chart update instantly.
An honest note: the model assumes a constant return and a fixed withdrawal down to zero. Inflation, tax on returns, fluctuating markets or an open-ended withdrawal are not modelled - for purchasing power use the inflation calculator, for building up the compound-interest calculator. The amounts are shown in euros as an example; the maths applies to any currency. Not investment advice.
Specifications
Specifications
Input formats
Form inputs (no file)
Processing
Locally in your browser (JavaScript)
File upload
None
In 3 steps
Enter the starting capital.
Enter the return per year and the duration in years.
Read off the monthly withdrawal, total paid out and year-by-year breakdown.
Limitations:A model with a constant return and a fixed withdrawal down to zero; without inflation, tax, market swings or an open-ended withdrawal. For purchasing power use the inflation calculator, for building up the compound-interest calculator. Amounts in euros as an example. Not investment advice.
FAQ
Are my inputs uploaded?
No. The calculation runs entirely locally in the browser (pure JavaScript); nothing is sent or stored.
How is the monthly withdrawal calculated?
With the annuity formula: from the starting capital, the monthly return and the number of months you get the steady amount that brings the capital exactly to zero at the end. Worked example: from 200,000 euros of capital at a 3 percent return you can withdraw about 1,109 euros a month for 20 years - roughly 266,200 euros in total, of which around 66,200 euros come from the ongoing returns.
What is the difference to the savings-goal calculator?
The savings-goal calculator builds up capital with monthly contributions; the withdrawal plan pays an existing capital back out. It is the reverse direction.
Is inflation included?
No. The withdrawal stays nominally the same. How much purchasing power it has over the years is shown by the inflation calculator.