Enter your savings and monthly spending — get an instant visual breakdown of your money's runway. Includes inflation, investment returns, and a year-by-year chart.
Calculate My Runway →Adjust the sliders or type your numbers. Results appear instantly with a visual balance chart — no email required.
For educational purposes only. Not financial advice.
Fill in your details and click
Calculate to see your results.
Withdrawing 4% annually is a common benchmark to make a balanced portfolio last 30+ years. Read more →
At 3% inflation, today's $2,500/month withdrawal becomes nearly $3,400 in 10 years — always account for it.
Even a modest 5% annual return can extend your money's runway by years. The calculator shows the exact impact.
Type in your current total savings — retirement account, emergency fund, investments, or any combination.
How much do you plan to spend per month? Use the slider or type your amount. Include living expenses, healthcare, and leisure.
See exactly how long your money lasts — with a visual bar chart, projected run-out date, and inflation-adjusted totals.
Most calculators give you one number. We give you a complete picture with insights competitors lack.
See your money deplete year by year in an interactive bar chart — not just a single number. Color-coded so you spot danger zones instantly.
Toggle inflation on/off and see the massive difference it makes. Most free calculators ignore this completely, leading to dangerously optimistic projections.
No email. No account. No paywall. Results appear the moment you click calculate — because planning shouldn't have friction.
Works perfectly on phones, tablets, and desktops. Most competitor tools were built for desktop only and break on mobile.
Enter your savings balance, monthly withdrawal amount, expected annual return, and inflation rate into the calculator above. Click "Calculate" to see how many years your money will last, a projected run-out date, and a visual chart of your balance over time.
The 4% rule is a guideline suggesting you can withdraw 4% of your portfolio per year and have it last 30+ years. For example, on a $500,000 portfolio, that's $20,000/year or ~$1,667/month. Read our full explanation of the 4% rule →
Yes — dramatically. At 3% annual inflation, a $2,500/month withdrawal today needs to be $3,360/month in 10 years to maintain the same purchasing power. Toggle inflation on in our calculator to see the true impact on your savings timeline.
A conservative planning estimate is 5–7% annually for a diversified portfolio. The S&P 500 has averaged ~10% historically, but a mixed portfolio with bonds typically returns less. Use 6% as a middle-ground starting point and adjust based on your actual allocation.
Yes — if your annual return exceeds your annual withdrawal rate, your portfolio can grow indefinitely. For example, $500,000 earning 7% annually generates $35,000/year. If you only withdraw $20,000/year, the balance grows rather than shrinks. Our calculator shows "∞" (never runs out) when this is the case.
This calculator uses standard compound interest math with monthly compounding and optional inflation adjustments. It provides estimates for planning purposes. Actual results depend on variable investment returns, taxes, and changing expenses. Always consult a financial advisor for personalized advice.