How Long Will My Retirement Savings Last?

Enter your savings and what you plan to withdraw each month. The calculator raises withdrawals each year for inflation and shows when the money runs out.

Enter your numbers

Savings today$Monthly withdrawal$/moExpected return%/yrRaise withdrawals each year by%Use your expected inflation; 0 for flat withdrawals.

Your savings last17 years, 6 months

Year	Starting balance	Monthly withdrawal
1	$600,000	$3,500
2	$586,383	$3,587
3	$570,995	$3,677
4	$553,720	$3,769
5	$534,436	$3,863
6	$513,013	$3,960
7	$489,316	$4,059
8	$463,200	$4,160
9	$434,513	$4,264
10	$403,096	$4,371
15	$198,807	$4,945

Estimates only, not financial, tax, or investment advice.

Making savings last longer

Delay Social Security to get a larger, inflation-adjusted check for life.
Spend a little less after poor market years.
Keep one to two years of spending in cash so you are not forced to sell investments after a market drop.
Consider an annuity for part of your savings if you want guaranteed lifetime income.

Common questions

How long will $500,000 last in retirement?

Withdrawing $3,000 a month that rises 2.5% a year, with a 5% return, $500,000 lasts about 17 years. Adjust the numbers above for your situation.

Official 2026 figures from: IRS: 2026 401(k) and IRA limits (IR-2025-111) · IRS: Catch-up contributions · IRS: Required minimum distributions · IRS: Publication 590-B (Uniform Lifetime Table) · IRS: Rev. Proc. 2025-19 (2026 HSA limits) · SSA: 2026 COLA fact sheet · CMS: 2026 Medicare premiums and deductibles · SSA: Cost-of-living adjustment history · BEA: Regional Price Parities by state (2024 data)