How Long Will My Retirement Savings Last?
Learn how to use the Retirement Savings Longevity Calculator, understand its formula and interpret the result.
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How to use this calculator
Open the Retirement Savings Longevity Calculator and replace the example values with your own inputs.
Formula and assumptions
The calculator uses the formula displayed on the calculator page. Review each assumption, unit and default before interpreting the result.
Worked example
With $500,000 saved, a $30,000 first-year withdrawal, 5% nominal return and 2.5% inflation, the calculator estimates longevity using an inflation-adjusted return.
How to improve the estimate
Use current, source-specific values. Check product documentation, official rules, measured data or professional guidance when the result affects an important decision.
Important limitations
This is a deterministic projection with constant annual return, inflation and withdrawals. It does not model sequence-of-returns risk, taxes, fees, required minimum distributions or changing spending.
Disclaimer
Educational retirement-planning estimate only. Not investment, tax or financial advice. Retirement outcomes can differ materially from constant-return projections.
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- How Roth 401(k) Projections Are Calculated: Growth, Tax, and ComparisonLearn how Roth 401(k) balances are projected, how the tax-free growth calculation differs from Traditional 401(k), and how to decide which is better for your situation.
- How to Use the Roth or 401(k) CalculatorLearn how to use the Roth or 401(k) Calculator, check its formula and interpret the result.
Frequently Asked Questions
- What does the Retirement Savings Longevity Calculator calculate?
- Estimate how long retirement savings may last using the starting balance, annual withdrawal, expected return and inflation assumptions.
- Can I change the assumptions?
- Yes. Replace the example values with inputs that match your situation and review every unit before using the result.
- Is the result exact?
- No. The result is an estimate produced by the displayed formula and the values entered. Real-world outcomes may differ.
- Should important results be verified?
- Yes. Verify important decisions with official documentation, measured data, product instructions or a qualified professional.
Last updated 7/22/2026