LearnwithStanley Calculators

How long will my money last?

Start with the lump sum you retire with and the monthly income you plan to draw. See how long it lasts, and the most you can safely draw for the number of years you need.

Your retirement money

$
$
First month. It then rises each year by the inflation rate below.
years old

Assumptions

% / yr
% / yr
Your income rises by this each year. Set 0 to keep it flat.
yrs
Your money lasts
—
Safe monthly income for your target
—
Your first-year drawdown rate
—
Total income you receive
—
Left after your target years
—

Your balance over time

Balance

Year-by-year table
AgeMonthly incomeBalance at start of year

Results assume the same return and inflation every year. Real markets go up and down, which can make money run out sooner or last longer. Income is withdrawn at the start of each month.