How Long Will My Money Last? | Financially Untouchable Network

Transformation Wealth Group

How Long Will My Money Last?

Estimate how long your retirement assets may support your income withdrawals.

1Your Retirement Assets & Income

How much do you currently have in tax-deferred retirement accounts?

Enter the current total of accounts like your 401(k), traditional IRA, 403(b), or other tax-deferred savings you plan to draw from in retirement.

Please enter an asset amount greater than $0.

What is your current monthly income, or the amount you're used to living on?

This helps us show you the gap between what you live on today and what your retirement withdrawals may provide.

Please enter a current monthly income amount ($0 or more).

2Your Retirement Timeline

At what age do you want withdrawals to begin?

The age when you expect to start drawing from these accounts.

Please enter a valid withdrawal start age (18 or older).

What age do you want your money to last until?

Choose the age you want to plan for, such as 85, 90, 95, or 100.

Life expectancy age must be greater than your withdrawal start age.

3Annual Withdrawal Rate

What percentage of your starting assets do you want to withdraw each year?

This percentage is applied to your starting asset balance to calculate a fixed annual withdrawal amount. The same dollar amount is used each year in this estimate.

Example: If you enter $500,000 and choose 8%, the calculator uses $40,000 as the annual withdrawal each year.

Higher withdrawal rates may provide more income now, but they may also reduce how long the money lasts.

Please choose a withdrawal rate.

4Growth Assumption & Market Scenario

What annual growth rate do you want to model?

This is the estimated annual growth rate applied to the remaining balance each year. These rates are examples only and are not guaranteed.

Please choose a growth assumption.

Rate	Label	Educational Examples	What It Means
3%	Conservative	High-yield savings, CDs, Treasury bills, money market funds, short-term bonds	Lower growth assumption with less market movement
6%	Balanced	Balanced portfolio, moderate allocation funds, stock/bond mix	Mix of growth and stability
8%	Growth-Oriented	Broad-market index funds, diversified equity ETFs	More growth potential with more ups and downs
10%	Aggressive	Stock-heavy portfolios, sector funds, small-cap funds	Higher growth assumption with higher risk and larger swings

These examples are for education only. They are not financial advice or investment recommendations. Actual results can be higher or lower.

How should we model market returns?

Same average return, different order. This shows how a rough start to retirement can change your timeline, even if your long-term average return stays the same.

Please choose a market scenario.

5Estimated Tax Rate

What estimated tax rate should we apply to your annual withdrawal?

This rate is used to estimate how much of each annual withdrawal may go toward taxes.

Please choose or enter an estimated tax rate.

6Inflation Adjustment Optional

Adjust withdrawals for inflation?

If selected, each year's withdrawal will increase by the chosen rate to account for rising costs.

Want to test different numbers? Update your inputs above and run a new estimate.

Your Retirement Income Estimate

Your Income Gap

Here's what you live on today, compared to what your withdrawals may provide after taxes, assuming this is your only source of income.

Your Retirement Income Snapshot

Your Annual Income Estimate

The portfolio is reduced by the gross withdrawal amount. The tax estimate only shows how much may be left for you to spend.

How Long the Money May Last

Your Retirement Pressure Points

These are the moments in your plan where a market downturn, an extra withdrawal, or a tax increase could have the biggest impact.

Year-by-Year Projection

Compare Withdrawal Rates

Withdrawal Rate	Gross Annual Withdrawal	Est. Annual Tax	After-Tax Annual Income	Monthly After-Tax	Est. Years	Est. Age

Each row uses the same starting assets, growth assumption, and tax rate. Only the withdrawal rate changes.

More income today can mean less time later. This comparison helps you see how the withdrawal rate changes the timeline.

Compare Growth Assumptions

Growth Assumption	Gross Annual Withdrawal	After-Tax Annual Income	Monthly After-Tax	Est. Years	Est. Age

Each row uses the same withdrawal amount and tax rate. Only the growth assumption changes.

Educational Disclaimer This calculator is for educational purposes only and is not financial, tax, legal, or investment advice. It uses simplified assumptions based on the information entered. Actual results may vary based on market performance, account type, fees, taxes, inflation, investment allocation, withdrawal timing, spending changes, and future tax law. Please consult a qualified financial or tax professional before making retirement income decisions.

This estimate does not increase withdrawals for inflation unless the inflation adjustment option is selected. In real life, rising costs may require larger withdrawals over time.

This calculator uses a simple tax-rate assumption to estimate how much of your annual withdrawal may be left after taxes.

If you are withdrawing from a pre-tax account, such as a traditional 401(k), traditional IRA, or 403(b), withdrawals are generally taxed as income. If you are withdrawing from after-tax or tax-free assets, the tax impact may be different.

If you are unsure which rate to use, 24% can be used as a starting awareness assumption. A qualified tax professional can help you choose a more accurate estimate.

If you are testing...	Consider using...	Why
Tax-free or after-tax assets	0%	Useful if taxes may not apply to this withdrawal
A lower tax estimate	10% or 12%	Useful for testing a lower-income scenario
A more cautious estimate	22% or 24%	Useful if you want to see a larger tax impact
A higher-income scenario	32%	Useful if you expect to be in a higher tax range
Unsure	24%	Simple starting assumption for awareness

IRS Tax Bracket Reference

Federal tax brackets are based on taxable income and filing status. Taxable income is usually income after deductions, not just total income.