How Long Will My Money Last?

Single-screen depletion calculator. Put in a balance, monthly withdrawal, expected return, and inflation — see exactly when the well runs dry.

📖 About this tool

What it does

Single-screen depletion calculator. Given a balance, monthly withdrawal, return rate, and inflation rate, projects month-by-month until the balance hits zero — or shows that it's sustainable indefinitely.

Who this helps

Anyone who wants a quick gut-check on a withdrawal rate without setting up the full retirement model. Useful for 'will my $500K last 20 years at $3,500/mo?' questions.

How to use it

  1. Enter your starting balance.
  2. Enter your monthly withdrawal in today's dollars.
  3. Set your expected annual return.
  4. Set inflation — withdrawal grows by this each year.
  5. Read the years-it-lasts stat and the depletion-date estimate.

What it doesn't do

Single deterministic projection — doesn't model bear-market sequence risk (that's the Sequence-of-Returns Risk tool). Doesn't account for taxes (withdrawal is treated as net to you).

Your Numbers

Inputs

Withdrawal grows with inflation each year. Set inflation to 0 if you want to keep withdrawal constant in nominal dollars.

Result

Balance Over Time