Savings & Drawdown — Finance Calculators

Inputs — save for N years, then withdraw every year after

Scenario A

Initial principal ($)

Yearly contribution ($)

Saving years

Annual growth rate (%)

Yearly withdrawal after that ($)

Scenario B

Initial principal ($)

Yearly contribution ($)

Saving years

Annual growth rate (%)

Yearly withdrawal after that ($)

Shared

Simulation horizon (total years)

Contributions and withdrawals happen at the end of each year (the balance grows first, then the cash flow is applied).

Results

Balance over time

Scenario A Scenario B

Year-by-year balances

Year	A cash flow	A balance	B cash flow	B balance

A withdrawal larger than the year's growth shrinks the balance; once a balance hits $0 the scenario stops. If the yearly withdrawal is no more than growth rate × balance at retirement, the portfolio is never depleted.