Retirement Nest Egg Longevity Simulator
This calculator runs a year-by-year simulation of your retirement portfolio, adjusting your withdrawal for inflation each year and applying investment growth, to estimate how many years your savings will realistically last.
About this calculator
Project how many years your retirement savings will last given withdrawals, investment growth, and inflation, using a year-by-year simulation of your portfolio balance.
Frequently Asked Questions
How does this simulation handle inflation?
Each year's withdrawal amount is increased by your specified inflation rate compared to the prior year, simulating how you'd need more dollars over time to maintain the same purchasing power.
What does 'years portfolio lasts' mean if it reaches the max simulation years?
If your balance is still positive at the end of the simulation period, the years shown will equal your selected simulation length, and the ending balance will show what's left.
Does this account for market volatility?
No, this model uses a fixed average annual return each year for simplicity. Real markets fluctuate year to year, so actual outcomes may vary from this steady-return projection.