Free calculator
How long will my savings last?
Enter what you have saved and what you plan to take out each month. See roughly how many years your money lasts, with your withdrawals rising each year for inflation.
Why the real answer can be shorter
This calculator uses a steady average return. Real returns arrive in a random order, and a few bad years right after you retire can cut years off how long your money lasts, even with the same average. That's called sequence-of-returns risk. Here's how it works →
Not sure what to enter for the monthly withdrawal? Start with the income gap calculator.
Have a question about your money?
Bring me the numbers: a CD that's coming due, a 401(k) you're about to roll over, or an illustration someone sent you. I'll give you a straight read on it. The call is free and commits you to nothing.