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Will My Retirement Savings Last? Find Out Instantly

Use our retirement savings longevity calculator to answer “How long will my savings last?” Test your nest egg—see if your portfolio will last if you retire at 50, model withdrawals, and explore what-if scenarios.Get answers with our privacy-first, scenario-based retirement tool—no advisor required, no bank connection.
Savings Longevity Calculator
Withdrawal Scenarios
AI-Powered Insights
Privacy-First Analysis
Try Longevity Calculator Free
Will my retirement savings last dashboard

Will My Savings Last? See the Answer Now

Model your savings, withdrawals, inflation, and expenses—see how long your retirement funds will last, instantly.

  1. Enter your retirement age, total savings, and estimated annual spending.
  2. Add investment return and inflation assumptions.
  3. Test different withdrawal rates and spending scenarios—see how many years your savings will last!
Savings longevity calculator dashboard
What-if analysis: how long will my savings last
AI insight: how to make your retirement savings last longer
All screenshots are from our real savings longevity calculator. Try your own scenario instantly—no sign-up required.

Will My Retirement Savings Last? FAQ & Common Questions

How long will my savings last in retirement?

Use our savings longevity calculator to estimate how many years your retirement funds will last, based on your savings, spending, returns, and inflation.

How long will $6 million last if I retire at 50?

Enter your data in our scenario tool. Model $6M starting at age 50, choose your spending, and see a year-by-year projection of your funds.

What factors impact how long my retirement savings will last?

Key factors include annual withdrawals, investment growth, inflation, taxes, and healthcare costs. Test “what-if” scenarios to see the impact of each.

How can I make my savings last longer?

Try reducing withdrawals, delaying retirement, boosting returns, or cutting expenses. Our tool models all these options and shows you the impact.

Is inflation included in the longevity calculation?

Yes, you can set inflation assumptions to see the “real” value of your money over time—not just the nominal amount.

Can I use this tool to test different withdrawal rates (like the 4% rule)?

Yes—experiment with 4%, 3.5%, or any custom rate. See how your savings hold up under various market and spending scenarios.

Do I need an advisor or account link to use this tool?

No! DIY My Finances is privacy-first—no advisor, no downloads, no account linking. Try your longevity scenario instantly.