Tools · Drawdown
How long will your savings last?
If you stopped working today and lived off your savings, how long would they hold? This models the spend-down with real-world returns and inflation — not just dividing one number by another.
Your savings last about
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A simplified projection — real markets are bumpy and sequence-of-returns risk is real. Education, not financial advice.
Frequently asked questions
How long will my savings last?
It depends on your spending, any other income, and your return versus inflation. A naive estimate is savings ÷ monthly spending, but real drawdown lasts longer when your money keeps earning and shorter as inflation lifts costs — the calculator models both.
What is a safe withdrawal rate?
The 4% rule — withdraw 4% in year one, then adjust for inflation — has a high chance of lasting 30+ years. Shorter horizons support more; very early retirements often use 3.25–3.5%. See your FIRE number.
Does this account for inflation?
Yes. The model raises your spending each year by your inflation rate while growing the remaining balance by your expected return, so you get a realistic year count — not a naive savings ÷ spending figure.
What is sequence-of-returns risk?
The danger of poor returns early in drawdown, which can permanently shrink a portfolio even when average returns are fine. It's why a cash buffer and flexible spending matter most in the first few years after you stop working.