Retirement Nest Egg Longevity Simulator
Will your retirement savings outlast you? Enter your starting balance, annual withdrawal, expected returns, and inflation to see a year-by-year projection of your nest egg.
Ending Balance After Retirement Period
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Balance at 25% Mark—
Balance at 50% Mark—
Balance at 75% Mark—
Year Funds Deplete (or full duration if never)—
About this calculator
Simulate how long your retirement savings will last based on withdrawal rate, investment return, inflation, and life expectancy.
Frequently Asked Questions
Does this account for taxes?
No, this simulator does not factor in taxes on withdrawals. Consider consulting a tax professional for after-tax projections.
What happens if my balance reaches zero?
The simulator stops reducing the balance below zero and records the year your funds would run out based on your inputs.
How does inflation affect withdrawals?
Your annual withdrawal amount increases each year by the inflation rate to maintain purchasing power, which is subtracted before investment growth is applied.