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Compound Interest Calculator with Withdrawals
Your savings & withdrawals
Final balance
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Balance after 10 years
Starting balance—
Total withdrawn—
Total interest earned—
Period—
The calculation
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—
Example: $50,000 at 5% for 10 years, $200 withdrawn monthly → $51,294 final balance.
Behind the numbers
How compound interest with withdrawals is calculated
Each month, monthly interest is added to the balance (annual rate / 12), then the withdrawal is subtracted. If the balance reaches zero, the account is considered empty.
The formula
A = P × (1 + r/n)^(nt)
$50,000 at 5% for 10 years with $200 withdrawn each month → $51,294 left.
Year by year
Balance by year
Good to know
FAQ
What is the 4% rule?
A common rule of thumb: withdraw about 4% of your starting balance each year. Monthly withdrawal = balance x 4% / 12.
What difference does a smaller withdrawal make?
Even a slightly smaller withdrawal makes a big difference to compounding, because the money left in the account earns interest itself in the following years.