// $ withdraw --how-long

Withdrawal calculator

Building a portfolio is one skill. Living off it without panicking is another. See how long a pot lasts and what a pension later on changes, if one shows up.

Education, not advice. I don’t know your situation, and past returns promise nothing. Check my numbers, then make your own call. You’re a grown-up.

// how it is calculated

No black box.

Monthly steps in today’s money: the pot earns the monthly return, then the withdrawal is taken out.
Once the pension starts, only the difference is withdrawn.
Real markets do not deliver the same return every year. A bad start hurts more than a bad end (sequence-of-returns risk).

withdrawal – notes

# everything runs in your browser
# nothing is stored or sent
$ share --link
✓ your numbers travel in the link, not to a server

// the background

Read the why.

Freedom28 Sept 20268 min

How much until you’re financially free? The 4% rule, tested for Europe

The 4% rule was built on US data and a 30-year retirement. Lucky them. What the research says for Europeans, and how you get to your own number.

Read

Freedom28 Sept 20269 min

FIRE in Europe – the US playbook doesn’t work here. The maths does.

No 401(k), no Roth, no US ETFs. Here’s what financial independence looks like under European rules, plus the savings rate table.

Read

// more tools

While you’re at it.

All tools

$ pension --reality-check Pension gap What the state promises, what the budget can afford, and the hole in between. Open $ compound --monthly 300 Compound interest What a boring monthly savings plan turns into. Before and after inflation. Open $ freedom --when Freedom number Your savings rate decides when you’re financially free. Not your boss, not a ministry. Open $ fees --compare Fund fees What 1.5% a year costs you over 30 years. Sit down first. Open