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Quick Scoop

A how long will retirement money last calculator helps estimate how many years your savings can support your spending in retirement. These calculators typically factor in your starting balance, monthly or yearly withdrawals, expected investment returns, inflation, and sometimes taxes or other income sources like Social Security.

What it tells you

  • How long your nest egg may last at your current spending rate.
  • How changing withdrawals, returns, or inflation affects your retirement outlook.
  • Whether you may need to adjust spending, saving, or investment strategy.

Common inputs

  • Current retirement savings balance.
  • Planned monthly or annual withdrawals.
  • Expected annual return and inflation rate.
  • Other retirement income, such as pension or Social Security.

Simple example

If someone has $300,000 saved and withdraws $20,000 a year, their money could last to about age 85 in one example scenario, depending on assumptions about returns and inflation.

Meta description

Use a retirement money last calculator to estimate how long your savings may last based on balance, withdrawals, inflation, and returns.

Helpful note

Results are estimates, not guarantees, because markets, inflation, and spending needs can change over time.