How Long Will Your Retirement Savings Last?
Estimate how many years your retirement balance can sustain a given annual withdrawal, with optional inflation adjustments.
Withdrawal duration scenario
This model uses a constant return assumption and does not simulate market volatility. Inputs stay in your browser.
Years your savings last
23 years
Balance fully depleted
Ending balance
$0.00
Remaining after modeled withdrawals
Total withdrawn
$929,192
Sum of all withdrawals over the period
What this result means
The model withdraws a fixed (or inflation-adjusted) amount each year, then applies a constant return to the remaining balance. It shows how long the balance can sustain that withdrawal under one set of assumptions.
Important limitations
This is a constant-return model. Real investments fluctuate, so actual results can differ significantly. The model does not account for taxes, RMDs, Social Security, fees, or unexpected expenses. It is an educational tool, not a retirement income plan.
This is an educational estimate, not financial advice or a retirement income plan.
Figures current as of 2026-09-25. Found an error? Contact us.