Projection tool

Mini Retirement Calculator

Estimate how long your savings could support a mini retirement, including investment returns, monthly spending, and future business income. Annual return is converted to a monthly compound rate.

Starting amount

Annual return

Monthly expense

Projection years

35y

Withdrawal timing

Annual expense increase

Business profitable in year

Monthly business income

Assumes a constant rate of return, monthly compounding, and fixed monthly withdrawals adjusted by expense growth. Business income begins in the selected profitability year and offsets monthly expenses before fund withdrawals.

Runway

Until balance reaches zero

Ending balance

At selected horizon

Total withdrawn

Net withdrawals from fund

Investment growth

Net growth earned before depletion

Balance over time

Fund balance

Annual detail

Values shown at each year end

Year	Start balance	Withdrawn	Business income	Growth	End balance	Monthly expense