Retirement calculator
Will My Money Last?
We simulate your retirement savings month by month: the balance earns a steady return while you withdraw an income that rises with inflation each year, until the money runs out or you reach life expectancy.
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Will My Money Last?
Confident
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The method
How it works
01
Each month the balance grows by the monthly return, then your monthly withdrawal is subtracted.
02
Once a year the withdrawal amount increases with inflation to preserve buying power.
03
If the balance reaches zero we report the age at depletion; otherwise your money is projected to last through life expectancy.
Iterative: balanceₘ = balanceₘ₋₁ · (1 + annualReturn/12) − withdrawalₘ, with withdrawal × (1 + inflation) applied annually.
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