Will Your Retirement Savings Last?
See if your withdrawal rate will deplete your savings. Honest retirement sustainability analysis.
You want to know one thing: will your money last? This calculator runs the math. Enter your portfolio, how much you want to withdraw, how long you need it to last, and expected returns. See if you'll still have money at the end — or when it runs out. A $500K portfolio with $3K monthly withdrawals and 5% returns lasts about 20 years. Is that enough? If you're 65 and healthy, maybe not. This isn't about scaring you — it's about planning honestly. Adjust the numbers until you find a sustainable path.
Calculator
Common use cases
- Testing whether your retirement plan is sustainable
- Finding the right withdrawal rate for your situation
- Understanding the impact of different return assumptions
- Honest assessment of retirement readiness
How to use
- Enter your retirement portfolio value
- Set your desired withdrawal rate (4% is traditional)
- Estimate years in retirement
- Input expected investment returns
- See if your plan is sustainable
FAQ
What is the 4% rule?
The 4% rule suggests withdrawing 4% in year one, adjusting for inflation thereafter. It's designed to last 30 years.
Should I adjust withdrawals based on market?
Flexible withdrawal strategies that reduce spending in down markets can improve portfolio longevity.
What about Required Minimum Distributions?
After age 73, traditional IRAs require minimum withdrawals. This calculator shows planned, not mandatory, withdrawals.
What if my savings won't last?
Options: save more now, delay retirement, reduce planned spending, or plan for part-time work. Better to know and adjust than run out.
This calculator provides illustrative estimates for planning purposes only and does not constitute financial, tax, or legal advice.