Retirement Savings Distribution Calculator
Estimate how long your retirement savings will last based on your planned withdrawals, investment returns, and inflation adjustments.
Retirement Savings Distribution Calculator
Your Savings Distribution Estimate
Example Calculations
Age 65, retire at 65, $500,000 savings, $10,000 contribution, 5% return, $40,000 annual withdrawal, 2% inflation
Savings at Retirement: ~$500,000
Annual Withdrawal: ~$40,000
Savings Duration: ~15 years
Age Savings Depleted: ~80
Age 60, retire at 65, $1,000,000 savings, $0 contribution, 4% return, $50,000 annual withdrawal, 2.5% inflation
Savings at Retirement: ~$1,200,000
Annual Withdrawal: ~$50,000
Savings Duration: ~20 years
Age Savings Depleted: ~85
How to Use the Retirement Savings Distribution Calculator
Our free calculator estimates how long your retirement savings will last based on withdrawals. Here’s how to use it:
- Current Age: Enter your current age (required)
- Retirement Age: Enter your planned retirement age (required)
- Current Savings: Enter your total retirement savings (required)
- Annual Contribution: Enter annual savings contributions until retirement (optional)
- Expected Annual Return: Enter your estimated investment return rate (required, default 5%)
- Withdrawal Amount: Enter your planned withdrawal amount (required)
- Withdrawal Frequency: Select how often you plan to withdraw (required)
- Expected Inflation Rate: Enter the expected inflation rate (required, default 2%)
The calculator estimates your savings duration and the age at which your savings may be depleted.
Why Calculate Your Savings Distribution?
Planning your savings distribution helps you:
- Understand how long your savings will last
- Adjust withdrawal amounts or frequency to extend savings
- Account for inflation and investment returns
Frequently Asked Questions
Yes, our calculator is completely free to use with no registration required.
The calculator provides estimates based on your inputs. Actual results may vary due to market fluctuations or changes in inflation.
We calculate the duration by simulating annual withdrawals adjusted for inflation and applying investment returns until savings are depleted.
Note: This calculator provides estimates only. Investment returns and inflation rates are not guaranteed. Consult a financial advisor for personalized retirement planning advice.