Nordvarde
ITENDEES
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ITENDEES
Free tool

How much capital do you need to live off your investments?

Enter how much you need each month to live and where you pay tax. We show how much capital you need invested to withdraw it every year, using the Norwegian fund's spending rule.

1

How much you need

The net income you want each month and the tax in your country.
€
Pre-filled for the chosen country, you can change it. We apply it to the whole withdrawal, although tax is really only due on the gains part: the result is on the safe side.
Share of capital you withdraw each year
Capital needed
Gross withdrawal per monthbefore tax
Tax per monthcautious estimate
Gross yearly withdrawalbefore tax

With other withdrawal rates

Yearly withdrawalCapitalYears

In 2017 Norway lowered the rate from 4% to 3%, because the fund's expected real return was estimated to be lower.

2

How far you are

Optional: where you are today and how much you can save.
After costs. An assumption, not a promise: markets rise and fall.
Years to get there
Your wealth already paysnet per month, at the same withdrawal share

Where you stand

Your path

Estimated wealth and the capital needed, which grows with inflation.
3%

Why 3%

Norway's sovereign wealth fund does not spend its capital: each year the state may use at most the fund's expected real return, now estimated at around 3%. In good years the withdrawal rises, in crises it falls, and the capital stays.

4% is the most common rule among people aiming for financial independence, designed for about 30 years of withdrawals. If you want capital that lasts forever, like Norway's, 3% is the safer choice.

Plan it in the cockpit → Discover the Norwegian fund