Build an emergency-fund runway
Set investment return to zero and compare savings with essential monthly spending and temporary income.
How Long Will My Money Last Calculator
Enter savings, income, spending, growth, and inflation → Get an estimate of how long your money may last.
Estimate How Long Your Money Will Last
Planning withdrawals or testing a retirement budget? Enter savings, monthly cash flow, expected return, and inflation.
Your savings duration will appear here
Enter starting savings and monthly spending to calculate automatically.
Planning model only. Returns are treated as smooth monthly growth, while real markets, taxes, fees, emergencies, and spending vary. It is not retirement or investment advice.
How to Use How Long Will My Money Last Calculator
1
Enter Savings and Monthly Spending
Use liquid or invested savings available for the modeled withdrawals and your expected monthly expenses.
2
Add Recurring Income
Include income that reliably offsets spending during the projection.
3
Set Return and Inflation
Choose assumptions you can explain, including 0% for a simple cash runway.
4
Review and Stress-Test
Read the live duration, then test lower returns, higher inflation, or higher spending.
How Long Will My Money Last Calculator Features
- Month-by-month balance depletion model
- Optional recurring income and investment return
- Annual spending inflation converted to a monthly rate
- Start- or end-of-month cash-flow timing
Common Use Cases
Explore retirement withdrawals
Test conservative return, inflation, pension, or Social Security assumptions before seeking personalized advice.
Compare spending reductions
Change monthly spending to see how a lower withdrawal rate may extend the projected duration.
Limits and Important Notes
How the Money Longevity Calculator Works
Annual return and inflation assumptions are converted to equivalent monthly rates. Each month, the model applies the selected cash-flow timing, investment growth, and spending increase.
Projection stops when the balance reaches zero or after 1,200 months. A 100+ year result means the balance stayed positive through that limit.
Formula
Monthly return = (1 + annual return)^(1/12) − 1; next balance = current balance × (1 + monthly return) − (spending − income)
Example
With $12,000 savings, $1,000 monthly spending, no income, 0% return, and 0% inflation, end-of-month withdrawals last 12 months.
- The model assumes a smooth monthly return; real investment returns are volatile and sequence-of-returns risk can materially change outcomes.
- Taxes, management fees, one-time expenses, income changes, and required distributions are excluded unless reflected in the inputs.
- Negative net withdrawals can grow the balance, and projections longer than 100 years are shown only as 100+ years.
- This calculator is educational and is not retirement, investment, tax, or fiduciary advice.
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