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How Long Will My Money Last?
A nest egg, a withdrawal rate, and a return assumption — see the exact year the money runs out.
New to this? Start here
This answers 'will my savings last?' Set how much you have and how much you plan to spend each month, and the chart shows your balance over time — plus a dashed line showing what would happen with zero investment growth, so you can see how much returns are really doing for you.Runs out in
16 yr 7 mo
Total withdrawn
$759,347
Total growth earned
$259,347
At this withdrawal rate, your money runs out in 16 yr 7 mo — before returns can outrun what you're taking out.
BalanceBalance at 0% return
View as table
| Year | Withdrawal / mo | Balance | Total withdrawn | Total growth |
|---|---|---|---|---|
| 0 | $0 | $500,000 | $0 | $0 |
| 5 | $3,377 | $424,785 | $191,129 | $115,914 |
| 10 | $3,914 | $293,712 | $412,700 | $206,411 |
| 15 | $4,538 | $85,449 | $669,561 | $255,010 |
| 20 | $5,261 | $0 | $759,347 | $259,347 |
| 25 | $6,098 | $0 | $759,347 | $259,347 |
| 30 | $7,070 | $0 | $759,347 | $259,347 |
| 35 | $8,196 | $0 | $759,347 | $259,347 |
| 40 | $9,501 | $0 | $759,347 | $259,347 |
| 45 | $11,014 | $0 | $759,347 | $259,347 |
| 50 | $12,769 | $0 | $759,347 | $259,347 |
| 55 | $14,802 | $0 | $759,347 | $259,347 |
| 60 | $17,160 | $0 | $759,347 | $259,347 |
Methodology & assumptions
- The simulation runs monthly, capped at 60 years — the return is applied as a constant monthly rate, not a variable market sequence (see the Monte Carlo simulator for sequence-of-returns risk).
- The withdrawal amount grows once per year with the inflation rate you set, modeling a constant real (purchasing-power) standard of living.
- The 0%-return comparison line uses the same growing withdrawal schedule with no investment growth at all, to isolate what returns are buying you.
- Results are pre-tax and ignore required minimum distributions, account fees, and Social Security or other income sources.
Educational only
This simulator is for education. It uses simplified assumptions, is not financial, tax, or investment advice, and no result here is a prediction or a recommendation. Talk to a licensed professional before acting.More retirement & compounding tools
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