Bankroll withdrawal planner
Safe withdrawal rate from a winning bankroll — like FIRE math
Calculate sustainable monthly withdrawals from a winning bankroll — the betting equivalent of safe FIRE withdrawal math.
Why this matters for winning bettors
Pro bettors face the same problem as FIRE retirees: take out too much and the compound engine stalls; take out too little and you're working without enjoying the rewards. This calculator runs the math: given your monthly edge and current bankroll, what's the maximum sustainable withdrawal? Combine with our Growth simulator for the underlying projection and Compound growth for reinvestment math.
Unlike investing, betting has wildly variable monthly returns — so the safe withdrawal rate is much lower than the 4% FIRE rule. Typical safe rate for sharp bettors: 25-50% of monthly expected profit.
See also: Bankroll growth simulator, Compound growth, Kelly criterion
How to use
- 1Enter your current bankroll.
- 2Enter your verified monthly return %.
- 3Choose withdrawal safety (conservative/moderate/aggressive).
- 4See sustainable monthly withdrawal and projected growth.
Example: €10k bankroll, 4% monthly return
€10k bankroll, 4% monthly = €400 expected monthly profit. Conservative withdrawal (25%): €100/month, bankroll still grows ~3% monthly. Moderate (50%): €200/month, bankroll grows ~2%. Aggressive (75%): €300/month, bankroll grows 1%. Going above 100% of expected profit means bankroll shrinks — only do it if you have a non-betting income safety net.
When to use
- When your betting bankroll has reached lifestyle-funding size
- Planning a transition from amateur to full-time betting
- Setting realistic monthly take-home expectations
Frequently asked questions
What is the Bankroll withdrawal planner calculator?
Pro bettors face the same problem as FIRE retirees: take out too much and the compound engine stalls; take out too little and you're working without enjoying the rewards. This calculator runs the math: given your monthly edge and current bankroll, what's the maximum sustainable withdrawal?
How does the Bankroll withdrawal planner calculator work in practice?
€10k bankroll, 4% monthly = €400 expected monthly profit. Conservative withdrawal (25%): €100/month, bankroll still grows ~3% monthly. Moderate (50%): €200/month, bankroll grows ~2%. Aggressive (75%): €300/month, bankroll grows 1%. Going above 100% of expected profit means bankroll shrinks — only do it if you have a…
When should I use the Bankroll withdrawal planner calculator?
When your betting bankroll has reached lifestyle-funding size. Planning a transition from amateur to full-time betting. Setting realistic monthly take-home expectations.