50/30/20 Budget Calculator
The 50/30/20 split.
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Finance
Savings Longevity Calculator
See how long your savings last at a given withdrawal and return.
How long it lasts
—
At this withdrawal.
| Total withdrawn | — |
|---|---|
| Starting balance | — |
| Monthly withdrawal | — |
| — |
Show our math
Enter your figures above to see the step-by-step working.
Before-tax, before-inflation estimateEverything computed client-side — nothing leaves this page
How the Savings Longevity Calculator Works
This shows how long a lump sum lasts as you draw it down. Each month the balance earns a share of the annual return, then your withdrawal comes out. The calculator repeats that until the money runs out. A $100,000 balance withdrawn at $1,000 a month, earning 4% a year, lasts around 9 years — longer than the 100 months you’d get with no growth, because the remaining balance keeps earning.
If the return on the balance is large enough to cover the withdrawal, the fund never depletes — that’s the idea behind a “safe withdrawal rate.” Inflation and taxes aren’t included here, so treat the result as a before-tax, before-inflation estimate.
each month: balance × (1 + monthly return) − withdrawal
Frequently Asked Questions
How long will my savings last?
It depends on the balance, how much you withdraw and what the balance earns. This calculator draws the balance down month by month until it hits zero.
What is a safe withdrawal rate?
A common guideline is about 4% of the starting balance per year. At or below the rate the balance earns, savings can last indefinitely.
Does this include inflation and taxes?
No — it’s a before-tax, before-inflation estimate. Real withdrawals may need to rise over time to keep pace with prices.
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