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Calculate how long savings last with withdrawals: enter balance, withdrawal, return and inflation to see years until depletion.
Calculate how long savings last with withdrawals: enter balance, withdrawal, return and inflation to see years until depletion.
Enter values above and click Calculate — results will appear here with the formula explained.
This simulates retirement drawdown: savings grow at return rate, withdrawals grow at inflation. It counts months until balance hits zero.
It assumes constant return and inflation, no taxes or fees. Real sequence of returns matters — poor early years shorten longevity significantly.
For YMYL retirement planning, use conservative return (4-5% real) and run 30-year scenarios. This is educational, not fiduciary advice — test with a financial planner.
Calculate how long savings last with withdrawals: enter balance, withdrawal, return and inflation to see years until depletion. Formula: Simulate month by month: balance = balance*(1+r/12) - withdrawal*(1+inflation)^years. Example: With $500k, $3k/mo withdrawal, 5% return, 2% inflation: savings last about 19.5 years, total withdrawn ~$820k.
This simulates retirement drawdown: savings grow at return rate, withdrawals grow at inflation. It counts months until balance hits zero.
It assumes constant return and inflation, no taxes or fees. Real sequence of returns matters — poor early years shorten longevity significantly.
For YMYL retirement planning, use conservative return (4-5% real) and run 30-year scenarios. This is educational, not fiduciary advice — test with a financial planner.
With $500k, $3k/mo withdrawal, 5% return, 2% inflation: savings last about 19.5 years, total withdrawn ~$820k.
Formulas are standard public references (see our methodology). External standards are cited in the text where they apply.
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