Your portfolio will last
until age
Comfortable (past age 85)· Withdrawing $4,500/mo ($54,000/yr)
Tap the number to set a target — we'll recalculate your withdrawal.
Portfolio over time
Drag to adjust target depletion age89 yrs old
Tap the number to set a target — we'll recalculate your withdrawal.
This calculator answers one question: given what you have saved, how you invest it, and how much you plan to spend, how long will your portfolio actually last? It simulates every month from your retirement date forward — compounding your balance at your expected return, then subtracting your withdrawal — until the account is empty or thirty-plus years have passed.
The size of your portfolio at retirement is the single largest lever in the calculation. Doubling your balance roughly doubles how long you can withdraw the same amount, but only up to the point where growth outpaces withdrawals — beyond that, your money lasts indefinitely.
Your annual return determines how quickly the remaining balance grows back after each withdrawal. Even a one-percentage-point change can add or subtract years of longevity. Because we compound monthly, the effective annual return is slightly higher than the stated rate.
Withdrawals are the counterweight to growth. Small increases compound downward the same way returns compound upward. Reducing spending by 10% in retirement can extend a portfolio by many years, especially when returns are modest.
Toggle Preserve principal on the chart to see a second projection where you only withdraw investment growth. In that mode your original balance is never touched — a more conservative approach that guarantees the money outlives you but usually requires a lower monthly withdrawal.
The large number above the chart is how many years your portfolio is projected to last from your retirement age forward. Next to it, the age at depletion tells you when — under these assumptions — the balance reaches zero. A green badge means growth exceeds spending forever; amber means the money comfortably lasts past age 85; red means it depletes before then.
These projections are estimates, not guarantees. Real markets don't deliver a smooth 5% every year, taxes reduce net withdrawals, and inflation raises the amount you'll need to withdraw over time. Use the calculator to explore scenarios — try a lower return, a higher withdrawal, a later retirement — and see which plans still work when things don't go perfectly.