Investment Calculator With Withdrawals
Plan your investment growth and withdrawals over time. Calculate the future value of an investment with regular contributions and periodic withdrawals.
Published by:
isCalculator Editorial Team
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How to use this tool?
Follow these steps to use the Investment Calculator with Withdrawals:
- Enter Initial Investment – The starting amount in dollars (e.g., 10000).
- Enter Annual Interest Rate – As a percentage (e.g., 5 for 5%).
- Enter Investment Period – In whole years (e.g., 10).
- Enter Monthly Contribution – Additional amount added each month (e.g., 500).
- Enter Monthly Withdrawal – Amount taken out each month (e.g., 200). Withdrawals only occur if the balance is sufficient.
- Select Compound Frequency – Choose how often interest is applied: Monthly, Quarterly, Semi-Annually, or Annually.
- Click "Calculate" – The result shows:
- Future Value – Final balance after all contributions, withdrawals, and interest.
- Total Contributions – Sum of all monthly additions.
- Total Withdrawals – Sum of all monthly withdrawals taken.
- Interest Earned – Growth from interest alone.
Note: All monetary values are in US dollars. Ensure inputs are non-negative and the interest rate is between 0 and 100.
Previous Results
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Frequently Asked Questions
It calculates the future value of an investment by simulating monthly contributions, withdrawals, and compound interest over a specified period. You input initial amount, interest rate, time, contribution, withdrawal, and compounding frequency.
Yes, it's ideal for modeling retirement savings where you contribute regularly and later withdraw funds. Adjust the inputs to match your expected contributions and withdrawals.
The calculator will withdraw only the available balance, preventing negative balance. That month's withdrawal will be less than planned.
