Retirement Savings Longevity Calculator
Estimate how long retirement savings may last using the starting balance, annual withdrawal, expected return and inflation assumptions. Enter your own values and review the assumptions shown with the result.
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The main result is shown first, followed by supporting values that make the calculation easier to verify.
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How to Use This Calculator
Enter each requested value using the displayed unit. Review the assumptions and update the defaults when your situation differs.
Formula & Methodology
The calculator applies the visible formulas directly to the entered values. Supporting outputs expose important intermediate results.
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.
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.
Educational retirement-planning estimate only. Not investment, tax or financial advice. Retirement outcomes can differ materially from constant-return projections.
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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