How Long Will My Money Last Calculator
FinanceCalculate how many months your savings will last given a fixed monthly withdrawal and investment return.
Months Your Money Will Last
Estimated months until your savings are depleted at this withdrawal rate. A result of -1 means your balance would never run out, since the withdrawal does not exceed investment growth.
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Frequently Asked Questions
What does a result of negative one mean?
A result of negative one means your monthly withdrawal is at or below what your investment growth alone generates, so the balance would theoretically never run out under the assumed constant return rate.
Does this account for inflation?
No, this is a simplified nominal calculation. In reality, withdrawal needs typically increase with inflation over time, which would shorten how long the money actually lasts compared to this fixed-withdrawal projection.
What withdrawal rate is commonly considered sustainable for retirement?
A commonly cited starting point is withdrawing around 4 percent of the initial balance annually, adjusted for inflation each year, though sustainable rates depend on market conditions, time horizon, and individual circumstances.
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