Figuring out how long your retirement savings will actually last requires more than a simple withdrawal percentage — it depends on your account balance, expected investment returns, inflation, and how many years you need the money to cover. Our retirement withdrawal calculator models these factors together to estimate whether your savings will hold up over your expected retirement timeline.
Small adjustments can make a meaningful difference here. Delaying retirement by even a couple of years, reducing your withdrawal rate slightly, or adjusting your investment mix can extend how long your portfolio lasts significantly, especially when compounded over two or three decades of retirement.
If you haven’t settled on a withdrawal strategy yet, our safe withdrawal rate calculator can help you compare different rates before committing. And if you’re still building your retirement savings, our 401(k) retirement savings calculator and annuity calculator can help you plan your contributions.