How Long Will Your Retirement Savings Last?
Savings Longevity Calculator
I was terrified I'd outlive my savings. This calculator showed me exactly how long my money would last and what I could do about it.
Janet M.
Age 62, Florida
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FOX BUSINESS
Will Your Savings Last Through Retirement?
One of the biggest fears retirees face is outliving their savings. Understanding how long your money will last at your planned spending rate is the first step toward a secure retirement.
Key Factors. Your savings longevity depends on your total balance, monthly spending, investment returns, inflation, and whether you have supplemental income like Social Security or a pension.
Even small adjustments — reducing spending by 10%, delaying retirement by a year, or adding a guaranteed income stream like an annuity — can add years to your savings. A licensed advisor can help you create a withdrawal plan that maximizes longevity.
This estimate is for educational purposes only. Actual savings longevity depends on investment returns, inflation, spending patterns, and market conditions. Consult a licensed financial advisor for personalized guidance.