I went to Google "BARD" and it gave me an general idea of how the spreadsheet would look. after a little tweeking I came up with this. I can change the interest rate or the withdrawal. It seems to work. Any comments?

0.0435 Beginning Balance Interest Withdrawal Ending Balance
1 =+C$3/12 100000 =+C4*D4 -4500 =+D4+E4+F4
2 =+C$3/12 =+G4 =+C5*D5 =+F4 =+D5+E5+F5
3 =+C$3/12 =+G5 =+C6*D6 =+F5 =+D6+E6+F6
4 =+C$3/12 =+G6 =+C7*D7 =+F6 =+D7+E7+F7
5 =+C$3/12 =+G7 =+C8*D8 =+F7 =+D8+E8+F8
6 =+C$3/12 =+G8 =+C9*D9 =+F8 =+D9+E9+F9
7 =+C$3/12 =+G9 =+C10*D10 =+F9 =+D10+E10+F10
8 =+C$3/12 =+G10 =+C11*D11 =+F10 =+D11+E11+F11
9 =+C$3/12 =+G11 =+C12*D12 =+F11 =+D12+E12+F12


10 =+C$3/12 =+G12 =+C13*D13 =+F12 =+D13+E13+F13
11 =+C$3/12 =+G13 =+C14*D14 =+F13 =+D14+E14+F14
12 =+C$3/12 =+G14 =+C15*D15 =+F14 =+D15+E15+F15



4.35% Beginning Balance Interest Withdrawal Ending Balance
1 0.36% $100,000.00 $362.50 -$4,500.00 $95,862.50
2 0.36% $95,862.50 $347.50 -$4,500.00 $91,710.00
3 0.36% $91,710.00 $332.45 -$4,500.00 $87,542.45
4 0.36% $87,542.45 $317.34 -$4,500.00 $83,359.79
5 0.36% $83,359.79 $302.18 -$4,500.00 $79,161.97
6 0.36% $79,161.97 $286.96 -$4,500.00 $74,948.93
7 0.36% $74,948.93 $271.69 -$4,500.00 $70,720.62
8 0.36% $70,720.62 $256.36 -$4,500.00 $66,476.99
9 0.36% $66,476.99 $240.98 -$4,500.00 $62,217.96
10 0.36% $62,217.96 $225.54 -$4,500.00 $57,943.50
11 0.36% $57,943.50 $210.05 -$4,500.00 $53,653.55
12 0.36% $53,653.55 $194.49 -$4,500.00 $49,348.04