Retirement & Planning

How long will my retirement savings last Calculator

Use this calculator to see how long your retirement savings will last based on your retirement savings and your inflation adjusted withdrawals.

Inputs

Retirement savings

Monthly withdrawal

Annual return in retirement

Estimates only. Adjust any value to recalculate instantly.

Results

Your savings will last 25.2 years drawing $3,500.00 a month

Years of income 25.2 yrs

Months of income 302 mo

Total withdrawn $1,057,000

Of which earnings $457,000

What funds retirement

Your principal $600k
Investment earnings $457k

Balance Savings balance

At $3,500/mo your savings last about 25.2 years. Many planners aim for a withdrawal rate near 4% a year to make savings last 30+ years.

Balance drawdown by yearView table

Year	Withdrawn	Earnings	Balance
1	$42,000	$29,721	$587,721
2	$42,000	$29,093	$574,814
3	$42,000	$28,433	$561,247
4	$42,000	$27,738	$546,985
5	$42,000	$27,009	$531,994
6	$42,000	$26,242	$516,236
7	$42,000	$25,436	$499,671
8	$42,000	$24,588	$482,259
9	$42,000	$23,697	$463,957
10	$42,000	$22,761	$444,718
11	$42,000	$21,777	$424,494
12	$42,000	$20,742	$403,236
13	$42,000	$19,654	$380,891
14	$42,000	$18,511	$357,402
15	$42,000	$17,309	$332,711
16	$42,000	$16,046	$306,757
17	$42,000	$14,718	$279,475
18	$42,000	$13,323	$250,798
19	$42,000	$11,855	$220,653
20	$42,000	$10,313	$188,966
21	$42,000	$8,692	$155,658
22	$42,000	$6,988	$120,646
23	$42,000	$5,196	$83,842
24	$42,000	$3,314	$45,156
25	$42,000	$1,334	$4,490
26	$4,513	$23	$0

How the how long will my retirement savings last calculator works

It withdraws your monthly spending from your nest egg while the balance keeps earning a return, counting the years until it runs dry — or showing it can last indefinitely if returns cover the withdrawals.

Worked example

Worked example: with retirement savings of $600,000, monthly withdrawal of $3,500 and annual return in retirement of 5.00%, the how long will my retirement savings last? shows your savings will last of 25.2 years.

Years of income: 25.2 yrs
Months of income: 302 mo
Total withdrawn: $1,057,000
Of which earnings: $457,000

The formula

Each month: balance = balance × (1 + r) − withdrawal. When monthly earnings exceed the withdrawal, principal is preserved.

Results are estimates for educational purposes and are not financial advice. Confirm exact figures with your lender, plan administrator or advisor.

Frequently asked

Questions about the how long will my retirement savings last calculator

How long will my retirement savings last?

It depends on your balance, monthly withdrawal and return. The calculator counts the years until depletion, or flags that your savings are self-sustaining.

What is the 4% rule?

A guideline suggesting that withdrawing about 4% of your savings in the first year (adjusted for inflation) gives a high chance of lasting 30 years. Use it as a sanity check.

How do I make my money last longer?

Reduce withdrawals, earn a steadier return, or delay retirement slightly. Small cuts to monthly spending extend the timeline meaningfully.

Is the How long will my retirement savings last Calculator free to use?

Yes. Every calculator on FinCalculators is completely free, with no sign-up, login or paywall. You can run as many scenarios as you like.

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