Retirement Drawdown — How Long Will Your Money Last?

Portfolio + annual withdrawal + real return in — years of runway out, with the balance trajectory table so you see exactly when it thins.

Quick answer: Free retirement drawdown calculator: savings, annual spending, returns and inflation — see how many years your money lasts, with an editable return assumption.

How to use

  1. Open this page on any device — no signup needed.
  2. Fill in the fields above.
  3. Get your result instantly — nothing is uploaded.

About this tool

Drawdown math is simple and brutal: withdrawals + inflation vs returns decide longevity. This calculator runs your portfolio down year by year at your real (inflation-adjusted) return and reports the survival age — plus the balance at key milestones. It is the honest companion to the Withdrawal Rate tool: one plans the rate, this one shows the timeline.

FAQ

What return should I assume?
Use a real (after-inflation) 4–5% for a balanced portfolio — optimistic inputs create fake safety.
Does this include taxes or super/pension income?
No — net figures in, gross spending plans; layer pension/annuity income by reducing your withdrawal amount.

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