Interest vs Withdrawals
Check whether interest income can sustain withdrawals.
Purpose: Tests whether interest income can sustainably fund withdrawals.
What you see
A Capital Coverage Summary at the top:
- Total Funding Pool: Starting savings + lifetime contributions
- Capital Buffer: Remaining capital available
- Funding Gap: Shortfall between interest and withdrawals (if any)
- Years of Coverage: How long capital lasts at current withdrawals
Funding states
- Interest Only: Interest fully covers withdrawals (sustainable indefinitely)
- Interest + Capital: Interest covers most withdrawals; capital fills the gap
- Capital Only: Living entirely off capital drawdown
Best for
Assessing retirement sustainability and risk.
If you want to go deeper on interpretation, see Reading Your Results.