How is the Will My Money Last? calculated?

We simulate your retirement savings month by month: the balance earns a steady return while you withdraw an income that rises with inflation each year, until the money runs out or you reach life expectancy.

What data and assumptions does it use?

Standard deterministic drawdown simulation (public domain). Return, inflation, and life-expectancy assumptions are shown on-screen and tenant-configurable.

Income · Live reading

Will My Money Last?

See how long your savings will last. Move a dial — your result responds instantly.

Calibrate

Drag to set each value — estimates are fine.

Your age

How old you are today.

Retirement savings

Total you’ll draw from in retirement.

Monthly withdrawal

What you plan to spend from savings each month.

Plan through age

How long you want your money to last.

Annual return

Average yearly growth you expect on your savings.

Inflation

How fast you expect costs to rise each year.

Your money lasts to

age 0

age life expectancy

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What this means for you

Get a plain-English summary of your reading.

Levers that move this

Your age
Retirement savings
Monthly withdrawal
Plan through age
Annual return
Inflation

Drag these dials above to see the effect instantly.

Track your progress over time

Save your reading and watch it change as you adjust your plan — create a free account in seconds.

Save my plan →

Also share my saved results with Evergreen Retirement Planning so they can help me plan

How this is calculated →

This depletion estimate is educational only and assumes steady returns; real markets vary.
Assumptions are shown alongside your results. Speak with your advisor for a full plan.