Calculate
Start with four numbers and see the first result.
Retirement clarity, without the spreadsheet
How Long Will Your Money Last in Retirement?
Get a clear estimate in about 60 seconds — then see why the money changes and which choices could help it last longer.
✓ Free✓ No signup✓ No bank connection
Built for people preparing to retire, already retired, or planning an early exit.
60-second calculator
Start with four numbers
No account, no financial jargon. Get the first answer now and add real-life details only when you are ready.
Retirement Runway
How the calculator works
Enter your age, savings, monthly spending, and retirement age. We project a year-by-year portfolio: growth, new savings, income, and real-life expenses. You get an estimated depletion age in about a minute, then you can refine and compare.
Understand
See the balance, income gaps and major events by age.
Adjust
Change one choice and see its impact immediately.
What determines how long your money will last?
Your starting savings
A larger nest egg buys more years, but spending and returns usually matter more than a round number like $1 million. The timeline shows the balance at each age, not just a single 'years remaining' figure.
Retirement spending
Withdrawal rate in the first decade of retirement is often the most sensitive lever. Cutting a few hundred dollars a month, or delaying retirement, can close a multi-year gap.
Inflation
If you enter today's dollars, we raise spending with inflation so purchasing power stays comparable. Higher inflation shortens the runway even when the headline return looks fine.
Investment returns
We use a long-run average, not a forecast. Conservative / Balanced / Growth presets exist because no calculator should pretend one rate is the truth. We will not suggest juicing the return to pretty up the result.
Social Security and other income
A pension or Social Security that starts later creates a bridge period when the portfolio does more of the work. Add income streams to see coverage as a percent of spending.
Built for real retirement decisions
Retirement is not one flat line of spending
Travel may be higher in your active years. A mortgage may end at 70. Social Security may begin at 67. A car, renovation or healthcare bill may land in between. Add these events without turning the calculator into a tax-planning spreadsheet.
- ✓Go-go, slow-go and later-life spending phases
- ✓Social Security, pensions and other income with start ages
- ✓One-time expenses, housing choices and healthcare costs
What if I want my money to last until 95?
Set your target age, then open 'How much could I spend?' The table estimates annual spending that is projected to last to 85, 90, 95, and 100 under your current return and inflation assumptions.
How different retirement scenarios change the result
Use the sliders for spending, retirement age, and other income. Then compare Base, Tough market, and High inflation. The point is not a perfect forecast — it is to see which single change moves the depletion age the most.
FAQ
Common retirement withdrawal questions
How long will my money last in retirement?+
It depends on your starting savings, monthly spending, inflation, investment growth, and other income such as Social Security. This calculator projects a year-by-year balance so you can see an estimated depletion age — and what you can change.
Should I enter spending in today's dollars or future dollars?+
Most people should use today's dollars. We then apply inflation so $5,000 a month keeps similar purchasing power. Use future dollars only if you already have a nominal amount in mind for the year you retire.
Why do retirement calculators disagree so much?+
They hide different returns, inflation, taxes, and spending rules. We show our assumptions and let you switch Conservative, Balanced, Growth, or Custom so you can see the sensitivity instead of a single 'magic' number.
Is this a guarantee that my money will last until that age?+
No. Results are hypothetical projections under the rates you choose. Markets, inflation, health costs, and longevity can all differ. We phrase outcomes as estimates, not promises.
What if I want my money to last until 95?+
Use the reverse calculator on the results. It estimates how much you can spend each year if your target is 85, 90, 95, or 100 — then compare that with your current plan.
Do you include Social Security?+
Yes. After the first result, you can add Social Security, pension, rental income, annuity, or other income with a start age, optional end age, and inflation linkage.
Do I need to create an account?+
No. There is no signup and no bank connection. Numbers stay in your browser unless you clear them.
Should I count my home as retirement savings?+
Not automatically. A primary residence is not spendable retirement cash while you live in it. Retirement Runway adds home value only when you explicitly choose a sale or downsizing age and enter the net proceeds you expect to add to savings.
Can retirement spending change as I get older?+
Yes. Choose steady spending, a spend-more-early pattern, or custom phases. This helps model active travel years, slower middle years, and later-life spending without forcing one withdrawal amount forever.
How are healthcare and major expenses handled?+
You can add annual healthcare costs before and after age 65, plus one-time expenses such as a car or renovation at a specific age. They stay visible on the timeline instead of being hidden inside everyday spending.