See exactly how long your retirement savings will last, given your withdrawal amount and expected return — with a chart showing your balance over time.
Adjust anything — results update as you go.
Estimates only, based on a constant annual return and constant withdrawals — real markets don't move in a straight line. Not financial advice.
We project your current balance forward month by month: each month it grows by your expected return, then your withdrawal comes out. If growth consistently outpaces withdrawals, the balance holds steady or keeps growing — otherwise, we find the exact age it hits zero.
At $1,000,000 saved, withdrawing $45,000/year, with a 5% expected annual return starting at age 60: growth (roughly $50,000/year at 5%) slightly outpaces the withdrawal, so the balance holds — a small change in either number can flip that balance the other way, which is exactly why it's worth checking your own numbers above rather than relying on a rule of thumb.
If you haven't retired yet and want to know what you need invested today to reach your number, see our Coast FIRE calculator or the general FIRE calculator.
Start with your current balance, then subtract your annual withdrawal while adding investment growth each year. If growth outpaces withdrawals, the balance can last indefinitely; if withdrawals outpace growth, it depletes at a calculable age. This calculator runs that projection month by month with your own numbers.
The traditional guideline is a 4% initial withdrawal rate (adjusted for inflation each year), based on historical market returns holding up over a 30-year retirement. This calculator uses a fixed nominal withdrawal for simplicity — try lowering your withdrawal amount or raising your expected return to see how the runway changes.
No — a Coast FIRE calculator answers "what do I need invested today to reach my number by retirement, with no more contributions." This calculator answers the opposite-direction question: "once I'm withdrawing from savings, how long does the balance actually last?" Use our Coast FIRE calculator while you're still accumulating; use this one once you're drawing down.
Try adjusting the inputs: a lower annual withdrawal, a higher expected return (if your portfolio allocation supports it), or a larger starting balance all extend the runway. Delaying retirement to build a larger balance first is another common lever.