Calculate how long savings last with withdrawals: enter balance, withdrawal, return and inflation to see years until depletion.
Calculate how long savings last with withdrawals: enter balance, withdrawal, return and inflation to see years until depletion.
Enter values above and click Calculate — results will appear here with the formula explained.
This simulates retirement drawdown: savings grow at return rate, withdrawals grow at inflation. It counts months until balance hits zero.
It assumes constant return and inflation, no taxes or fees. Real sequence of returns matters — poor early years shorten longevity significantly.
For YMYL retirement planning, use conservative return (4-5% real) and run 30-year scenarios. This is educational, not fiduciary advice — test with a financial planner.
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This simulates retirement drawdown: savings grow at return rate, withdrawals grow at inflation. It counts months until balance hits zero. Formula: Simulate month by month: balance = balance*(1+r/12) - withdrawal*(1+inflation)^years; count months until zero
Savings Withdrawal Calculator computes calculate how long savings last with withdrawals: enter balance, withdrawal, return and inflation to see years until depletion. Formula: Simulate month by month: balance = balance*(1+r/12) - withdrawal*(1+inflation)^years. Example: With $500k, $3k/mo withdrawal, 5% return, 2% inflation: savings last about 19.
Calculate how long savings last with withdrawals: enter balance, withdrawal, return and inflation to see years until depletion. Formula: Simulate month by month: balance = balance*(1+r/12) - withdrawal*(1+inflation)^years; count months until zero
| Field | What to enter |
|---|---|
| Current savings ($) | e.g. 500000 |
| Monthly withdrawal ($) | e.g. 3000 |
| Annual return (%) | e.g. 5 |
| Annual inflation (%) | e.g. 2 |
All fields use the exact formulas shown below — results include step-by-step breakdowns you can verify by hand.
This simulates retirement drawdown: savings grow at return rate, withdrawals grow at inflation. It counts months until balance hits zero.
It assumes constant return and inflation, no taxes or fees. Real sequence of returns matters — poor early years shorten longevity significantly.
For YMYL retirement planning, use conservative return (4-5% real) and run 30-year scenarios. This is educational, not fiduciary advice — test with a financial planner.
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With $500k, $3k/mo withdrawal, 5% return, 2% inflation: savings last about 19.5 years, total withdrawn ~$820k.
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