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Retirement spending calculator

Estimate how long your retirement savings could cover your monthly spending, after other income, fees and inflation.

Your savings run out at age 81

Monthly spending this balance supports
USD 931
Savings at the end
USD 0

Age 65USD 250,000

Drag across the graph, or focus it and use the arrow keys, to read any year. The year-by-year figures are below.

Includes your other income and uses the balance fully by the end age. It is not a safe withdrawal rate.

See the year-by-year figures
USD · Today’s money
AgeSavings balance
65USD 250,000
66USD 230,909
67USD 212,373
68USD 194,378
69USD 176,907
70USD 159,944
71USD 143,476
72USD 127,487
73USD 111,964
74USD 96,893
75USD 82,261
76USD 68,055
77USD 54,263
78USD 40,873
79USD 27,873
80USD 15,251
81USD 2,997
82USD 0
83USD 0
84USD 0
85USD 0
86USD 0
87USD 0
88USD 0
89USD 0
90USD 0
91USD 0
92USD 0
93USD 0
94USD 0
95USD 0

Your numbers

Today
In retirement

Other income is net of tax, starts at retirement and rises with inflation. Any surplus is not reinvested.

Return, inflation and fees0% return · 3% inflation · 0% fee

All money inputs are in today’s purchasing power. Monthly savings, spending and other income rise with your inflation assumption. Returns are annual effective rates before the asset fee. They stay constant in this illustration.

Illustrative amounts in today’s money. Nothing you type leaves this page.

How to use this calculator

  1. Enter your age and your savings at the start of retirement.
  2. Set the age the money should last to, your monthly spending and any other income, such as a pension.
  3. Open “Return, inflation and fees” to test different assumptions.
  4. Drag across the graph to see your balance at any age.

How to read the result

The headline says whether your savings cover that spending for the whole period, or the age at which they run out. “Monthly spending this balance supports” is the most you could spend each month and still reach the end age. It is not a safe withdrawal rate.

What the graph leaves out

This is an educational scenario, not investment advice or a promise. It does not model market volatility, the order of good and bad returns, taxes, exchange rates, public pension eligibility, one-off expenses or changing spending needs. A smooth line can hide the risk of running out sooner. Try lower returns and a longer retirement.

Method, formula and sources

The model runs month by month. Savings are added at month-end; retirement withdrawals happen at month-start. The annual return, asset fee and inflation become one monthly real growth factor. Balances stop at zero, and an unmet withdrawal is recorded as a shortfall.

Monthly real factor = ((1 + return) × (1 − fee) ÷ (1 + inflation))^(1/12). Rates use decimals. During saving: next balance = balance × factor + contribution. During retirement: next balance = max(0, balance − withdrawal) × factor.

Sources checked 7 October 2026. The calculation uses your assumptions, not live market data.