Retirement: how long will your savings last?
Your monthly need, your pensions and your savings: the calculator shows how many years the savings cover the gap, inflation included.
What this calculator is for
Estimate how long your savings cover the gap between your needs and your pensions in retirement.
How to read the result
The big number is how long the savings last. The curve shows what remains each year, with withdrawals rising with inflation. The sustainable draw is what you can take for 30 years without running out.
Assumptions and limits
Constant return and inflation, no tax on withdrawals. Use your official pension statement for pension amounts.
Have the result checked
An adviser goes through these figures with your actual situation: tax, pensions, existing investments.
Frequently asked questions
What is a sustainable draw?
The monthly amount your savings can pay for 30 years while keeping their purchasing power, with the return and inflation you entered.
How can I make my savings last longer?
Defer part of your public pensions where possible, sequence withdrawals between taxable and tax-sheltered accounts, keep some equities. An adviser can quantify these levers for you.