Determine exactly when your retirement savings will run out based on your current balance, expected return rate, and annual withdrawals.
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$
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Your money will run out in
16
Total Amount Withdrawn
$757,027
The biggest fear for many retirees is outliving their money. Our How Long Will My Money Last Calculator helps you visualize your financial future by calculating the exact year your savings will be depleted based on your current withdrawal rate and expected investment returns.
Your portfolio doesn't just sit in cash; it continues to grow. Even a modest 4% to 7% annual return can significantly extend the lifespan of your savings. This calculator factors in compound interest, adding your annual return to your balance before subtracting your yearly withdrawals.
A common guideline in financial planning is the 4% Rule. It suggests that if you withdraw 4% of your initial retirement portfolio annually (adjusted for inflation), your money has a high probability of lasting 30 years. You can use this calculator to test if the 4% rule works for your specific financial situation.
Inflation reduces your purchasing power over time. If things cost 3% more next year, you will need to withdraw 3% more money to maintain the same standard of living. By using our advanced inflation toggle, the calculator will automatically increase your annual withdrawal amount each year, giving you a much more realistic depletion timeline.