Free retirement calculator

How long will your
money actually last?

Answer 7 simple questions. Get a personalized estimate in under 2 minutes — no signup, no fluff.

Calculate my runway Free forever  ·  No account needed  ·  Results in 2 minutes
4%
The classic safe withdrawal rule
3%
Average US inflation rate
20+
Years most people need in retirement
57%
Americans worry about outliving savings
The calculator

Find your retirement runway

Factors in inflation, investment returns, Social Security, 401(k) growth, and more.

MyMoneyRunway
Step 1 of 7
How much money do you have saved or invested right now?
$
Include savings, brokerage accounts, 401(k), IRA — everything. Round numbers are fine.
Step 2 of 7
How old are you, and when do you plan to retire?
Current age
Retirement age
Already retired? Enter the same age for both.
Step 3 of 7
What's your expected monthly spending in retirement?
$
Include housing, food, healthcare, travel, and fun. Be honest — most people underestimate this.
$2,500
Frugal
$4,500
Comfortable
$7,500
Generous
$12,000
Luxury
Step 4 of 7
Will you have any monthly income in retirement?
$ per month
Social Security, pension, rental income, part-time work. Enter 0 if none. The average Social Security benefit is ~$1,900/mo.
Step 5 of 7
How will your money be invested during retirement?
Cash only
~2% return
Conservative
~4% return
Balanced
~6% return
Aggressive
~8% return
Step 6 of 7
Do you plan to leave money to heirs, or spend it all?
Spend it down
Use every dollar
Leave something
~25% remaining
Leave a legacy
~50% remaining
Step 7 of 7
Finally — what inflation rate should we use?
3%
Historical US average is ~3%. Higher = more conservative. We recommend 3–4%.
Your results
Your money will last approximately
—
years from retirement
—
Nest egg at retirement
—
Monthly net draw
—
Annual withdrawal
—
Withdrawal rate

Want to grow your runway?
See how a smarter investment strategy could add years to your money.

Explore options →

How it works

Smarter than a spreadsheet,
simpler than a financial advisor

01
Enter your numbers
Real or hypothetical — plug in your savings, spending goals, and retirement timeline. No account needed.
02
We factor in everything
Inflation, investment returns, Social Security income, 401(k) growth, and your legacy goals are all calculated.
03
Get your runway
See exactly how many years your money lasts, your withdrawal rate, and plain-English advice on what to adjust.
04
Run scenarios
What if you retire 3 years later? Spend $500 less per month? Run as many scenarios as you want — it's free.

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Common questions

FAQ

What is the 4% rule? +
The 4% rule is a retirement guideline suggesting you can withdraw 4% of your portfolio annually without running out of money over a 30-year retirement. For example, a $1 million portfolio would support $40,000/year in withdrawals. It's a starting point, not a guarantee.
How accurate is this calculator? +
This calculator uses standard financial planning formulas including real rate of return (adjusted for inflation) and compound growth modeling. It provides a useful estimate, but not a guarantee. Markets vary, lifespans differ, and your spending will change. Treat this as a planning tool, not financial advice.
Should I include my home equity? +
Only include liquid or investable assets — money you can actually spend. Your home's value counts only if you plan to sell, downsize, or use a reverse mortgage. If you're staying put, leave it out.
What's a good withdrawal rate? +
Financial planners generally consider 3–4% to be "safe" for a 30-year retirement with a balanced portfolio. Rates above 5% carry meaningful risk of running out of money, especially if you retire early or markets underperform.
Is this free? +
Yes, completely free. No account, no credit card, no upsell. Run as many scenarios as you want.