How Long Will My Money Last? | Financially Untouchable Network
Financially Untouchable Network  ·  Sustaining Wealth Track

How Long Will My Money Last?

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

This calculator helps you estimate how long your retirement assets may last once you begin taking withdrawals. It also shows how taxes may reduce the amount available to spend.

This is an educational estimate and does not guarantee future results.

1Your Retirement Assets
Enter the portfolio amount you want this calculator to project. This may include retirement savings, investment accounts, or other assets you plan to use for income.
Please enter an asset amount greater than $0.
2Your Timeline
Enter the age when you expect to start using this money for income.
Please enter a valid withdrawal start age (18 or older).
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
This percentage is applied to your starting asset balance to calculate a fixed annual withdrawal amount.
Higher withdrawal rates may provide more income now, but they may also reduce how long the money lasts.
Please choose a withdrawal rate.
4Portfolio Growth Assumption
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.

5Estimated Tax Rate
This rate is used to estimate how much of each annual withdrawal may go toward taxes.
%
Please choose or enter an estimated tax rate.
Want to test different numbers? Update your inputs above and run a new estimate.
Your Retirement Income Estimate
Your Retirement Income Snapshot
Your Annual Income Estimate

This shows the difference between what comes out of the portfolio and what may be available to spend after estimated taxes.

How Long the Money May Last

Your Retirement Pressure Points
Year-by-Year Projection
Age Starting Balance Growth Gross Withdrawal Est. Tax After-Tax Income Ending Balance
Compare Withdrawal Rates
Withdrawal Rate Gross Annual Withdrawal Est. After-Tax Annual Income Est. Monthly After-Tax Income Est. Years Money Lasts Est. Age Money Lasts Until

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 Est. After-Tax Annual Income Est. Years Money Lasts Est. Age Money Lasts Until

Growth assumptions can change how long the money may last, but returns are not guaranteed.

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.