This retirement savings calculator projects how many years your savings last given a monthly withdrawal, guaranteed income such as Social Security and pension, expected investment return, and inflation. Enter your numbers above — the chart and table update instantly. It works entirely in your browser: no sign-up, no data storage, and your numbers never leave your device.
Unlike a simple "4% rule" withdrawal rate, this tool starts from your actual spending and income. A 65-year-old with $500,000 in savings, $2,500/month of Social Security plus pension, and $4,500 of monthly spending may run out a few years after 85 at a 5% return with inflation — change any input and the projection recalculates instantly. For an optimizer around when to claim those guaranteed dollars, pair it with the Social Security break-even calculator.
This tool is for education, not financial advice. It uses a constant annual investment return rather than year-by-year market swings, so it will understate the risk of a bad sequence of returns.