Retirement Savings Longevity Calculator – How Long Will Your Retirement Savings Last?
Estimate how long your retirement savings will last based on your withdrawals, investment returns, inflation, and other income sources. Plan for a secure retirement with confidence.
Retirement Savings Longevity Calculator
Your Savings Longevity Estimate
Example Calculations
$500,000 savings, $40,000 withdrawal, retire at 65, age 40, expect 85, 5% return, 2% inflation, $20,000 Social Security, 15% tax rate
Savings Longevity: ~21.3 years
Savings at Retirement: ~$1,200,000
Adjusted Annual Withdrawal: ~$34,000
Total Annual Income: ~$54,000
$1,000,000 savings, $50,000 withdrawal, retire at 67, age 50, expect 90, 4% return, 2.5% inflation, $30,000 Social Security, $15,000 pension, 20% tax rate
Savings Longevity: ~24.8 years
Savings at Retirement: ~$1,800,000
Adjusted Annual Withdrawal: ~$40,000
Total Annual Income: ~$85,000
How to Use the Retirement Savings Longevity Calculator
Our free Retirement Savings Longevity Calculator estimates how long your savings will last in retirement. Here’s how to use it:
- Current Savings: Enter your total retirement savings (required)
- Annual Withdrawal: Enter your planned annual withdrawal from savings (required)
- Retirement Age: Enter your planned retirement age (required)
- Current Age: Enter your current age (required)
- Life Expectancy: Enter your expected life expectancy (required)
- Expected Annual Return: Enter your estimated investment return rate (required, default 5%)
- Expected Inflation Rate: Enter the expected inflation rate (required, default 2%)
- Social Security: Enter expected annual Social Security benefits (optional)
- Pension Income: Enter expected annual pension income (optional)
- Effective Tax Rate: Enter your expected tax rate on withdrawals and income (optional)
The calculator estimates how long your savings will last, adjusted for taxes, inflation, and other income sources.
Why Calculate Your Savings Longevity?
Estimating your savings longevity helps you:
- Understand if your savings will support your retirement lifestyle
- Plan withdrawals to avoid running out of money
- Account for taxes, inflation, and additional income sources
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, unexpected expenses, or changes in inflation or tax rates.
We calculate the duration your savings will last by factoring in annual withdrawals (adjusted for inflation and taxes), investment returns, and other income sources.
Note: This calculator provides estimates only. Investment returns, inflation rates, and tax rates are not guaranteed. Consult a financial advisor for personalized retirement planning advice.