Retirement Longevity Calculator
Calculate how long your retirement savings will last. Plan withdrawals to ensure your money lasts through retirement.
One of the biggest fears in retirement is running out of money. This calculator helps you estimate how many years your retirement savings will last based on your withdrawal rate, expected returns, and inflation adjustments.
Calculator
Common use cases
- Retirement income planning
- Setting sustainable withdrawal rates
- Adjusting retirement budget
- Evaluating early retirement feasibility
How to use
- Enter your total retirement savings
- Input your planned annual withdrawal
- Set expected investment returns
- Enter expected inflation rate
- See how long your money will last
FAQ
What is the 4% rule?
The 4% rule suggests withdrawing 4% of your portfolio in year one, then adjusting for inflation. Studies show this has historically lasted 30+ years.
How does inflation affect retirement?
Inflation increases the cost of living, so your withdrawals need to increase to maintain purchasing power, depleting savings faster.
Should I adjust my withdrawal rate?
Consider reducing withdrawals in down markets and being flexible with spending to extend portfolio longevity.
This calculator provides illustrative estimates for planning purposes only and does not constitute financial, tax, or legal advice.