Your starting savings
A larger nest egg buys more years, but spending and returns usually matter more than a round number like $1 million. The timeline shows the balance at each age, not just a single 'years remaining' figure.
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How Long Will Your Money Last in Retirement?
Get a clear estimate in about 60 seconds — then see what you can change to make your money last longer.
Calculate My Retirement Runway
60-second calculator
Start with four numbers
How the calculator works
Enter your age, savings, monthly spending, and retirement age. We project a year-by-year portfolio: growth, then income, then spending. You get an estimated depletion age in about a minute, then you can add Social Security, test sliders, and compare a tough market or higher inflation.
What determines how long your money will last?
Retirement spending
Withdrawal rate in the first decade of retirement is often the most sensitive lever. Cutting a few hundred dollars a month, or delaying retirement, can close a multi-year gap.
Inflation
If you enter today's dollars, we raise spending with inflation so purchasing power stays comparable. Higher inflation shortens the runway even when the headline return looks fine.
Investment returns
We use a long-run average, not a forecast. Conservative / Balanced / Growth presets exist because no calculator should pretend one rate is the truth. We will not suggest juicing the return to pretty up the result.
Social Security and other income
A pension or Social Security that starts later creates a bridge period when the portfolio does more of the work. Add income streams to see coverage as a percent of spending.
What if I want my money to last until 95?
Set your target age, then open 'How much can I safely spend?' The table estimates annual spending that is projected to last to 85, 90, 95, and 100 under your current return and inflation assumptions.
How different retirement scenarios change the result
Use the sliders for spending, retirement age, and other income. Then compare Base, Tough market, and High inflation. The point is not a perfect forecast — it is to see which single change moves the depletion age the most.
Common retirement withdrawal questions
How long will my money last in retirement?
It depends on your starting savings, monthly spending, inflation, investment growth, and other income such as Social Security. This calculator projects a year-by-year balance so you can see an estimated depletion age — and what you can change.
Should I enter spending in today's dollars or future dollars?
Most people should use today's dollars. We then apply inflation so $5,000 a month keeps similar purchasing power. Use future dollars only if you already have a nominal amount in mind for the year you retire.
Why do retirement calculators disagree so much?
They hide different returns, inflation, taxes, and spending rules. We show our assumptions and let you switch Conservative, Balanced, Growth, or Custom so you can see the sensitivity instead of a single 'magic' number.
Is this a guarantee that my money will last until that age?
No. Results are hypothetical projections under the rates you choose. Markets, inflation, health costs, and longevity can all differ. We phrase outcomes as estimates, not promises.
What if I want my money to last until 95?
Use the reverse calculator on the results. It estimates how much you can spend each year if your target is 85, 90, 95, or 100 — then compare that with your current plan.
Do you include Social Security?
Yes. After the first result, you can add Social Security, pension, rental income, annuity, or other income with a start age, optional end age, and inflation linkage.
Do I need to create an account?
No. There is no signup and no bank connection. Numbers stay in your browser unless you clear them.