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How Long Will My Retirement Savings Last?

Enter your savings and spending

$
$/yr

What you want to spend in the first year, after tax. Leave out Social Security and pensions.

%
%

Your withdrawal rises with inflation every year so your spending power stays the same.

%
yrs

Your results

Your savings last

–

Money runs out at age

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First-year withdrawal

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Starting withdrawal rate

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Total withdrawn–
Investment growth earned–
Tax paid on withdrawals–

Years your savings last at other returns and spending levels

Each cell keeps your savings, inflation and tax the same and changes only the return (rows) and the first-year spending (columns).

Year-by-year drawdown

Each year's withdrawal is taken at the start of the year and the rest earns your annual return.

YearAgeSpendingWithdrawalGrowthBalance

Results are estimates for educational purposes and are not financial, tax or legal advice.

Work out how many years your nest egg can fund your spending when each withdrawal rises with inflation, and the age at which the money would run out. Try the life expectancy calculator to run your own numbers — everything is calculated in your browser and nothing you enter is stored or sent anywhere.