Retirement Withdrawal & Longevity Calculator
Calculate how many years your retirement nest egg will last based on monthly withdrawal amounts, portfolio return, and inflation.
What this calculator does
The Retirement Withdrawal & Longevity Calculator estimates your result instantly from the values you enter, using standard retirement formulas. Calculate how many years your retirement nest egg will last based on monthly withdrawal amounts, portfolio return, and inflation. Calculations run in your browser, so nothing you type is sent to a server, and the output is an estimate for planning rather than financial advice.
About Retirement Withdrawal & Longevity Calculator
The Retirement Withdrawal Calculator models portfolio decumulation and longevity, forecasting the exact year your retirement nest egg will be depleted under custom monthly withdrawal rates.
Formula & Mathematical Calculation
Portfolio_{t} = Portfolio_{t-1} × ( 1 + Return % ) - Annual Withdrawal_t × ( 1 + Inflation % )
Calculation Example
$1,000,000 Portfolio withdrawing $60,000/yr (6% rate) @ 6% Return & 3% Inflation: Portfolio lasts 23 Years (Depleted at Age 88). Lowering withdrawal to $40,000/yr (4% rate) → Portfolio lasts indefinitely!
Key Benefits
- Calculates portfolio longevity and depletion risk in retirement
- Models sequence of returns risk and inflation-adjusted withdrawals
- Compares fixed dollar withdrawals vs. dynamic percentage withdrawals
- Helps retirees establish a sustainable withdrawal rate
- Free financial longevity tool
How to Use this Calculator
-
Enter Total Starting Nest Egg
Input portfolio value at retirement. -
Enter Desired Annual Withdrawal Amount
Input annual spending withdrawn from portfolio. -
Enter Expected Return & Inflation
Input portfolio return (e.g. 6%) and inflation rate (e.g. 3%). -
Calculate Longevity
Click Calculate to view years until depletion and annual balance trajectory.
Assumptions & Limitations
What the calculation assumes
- Every value you enter is treated as an exact, known amount.
- Rates and contributions are assumed to stay constant for the whole period unless the form asks for them separately.
- Results use standard financial formulas and ignore fees, penalties and promotional terms that are not entered above.
- Inflation, tax changes and market volatility are not modelled unless a field for them is provided.
- Amounts are unit-agnostic: results are returned in the same currency you enter.
What it does not cover
- Retirement Withdrawal & Longevity Calculator produces estimates for education and planning, not a quote, offer or professional advice.
- Real-world outcomes differ when fees, taxes, rounding rules or provider-specific terms apply.
- Local regulations and tax rules vary by country and change over time; verify current rules for your jurisdiction.
- Figures are only as accurate as the inputs you supply — check them before acting on the result.
- For decisions with lasting financial impact, confirm the numbers with a qualified professional.
Frequently Asked Questions
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