How Long Will Money Last Calculator
See how long a pot of money survives a given withdrawal rate, with returns compounding on the remaining balance and withdrawals rising with inflation.
Every figure below is labelled in the currency you pick. Amounts are not converted — enter values in the same currency.
The 4% rule and where it comes from
The rule of thumb says a portfolio can support an initial withdrawal of 4% of its value, raised each year with inflation, for about thirty years. It came from a 1994 study of historical US market data, assumes a roughly 50/50 stock and bond mix, and has a failure rate that is low but not zero. Sequence of returns matters enormously: a bad first five years does damage that good later years cannot undo.
What this model does not include
Taxes, fees, lumpy one-off costs, changes in spending as you age, and market volatility. Real portfolios do not return a smooth 5% a year. Use the result as a boundary check, not a plan.
How to use the How Long Will Money Last Calculator
- Fill in each field with your own figures — the defaults are only there as an example.
- The result updates as you type, so there is no button to press.
- Check the breakdown under the main result for the supporting numbers.
- Use the copy button to take the result with you, or share the link to reload the same inputs.
How Long Will Money Last Calculator — frequently asked questions
Is this how long will money last calculator free to use?
Yes. Every calculator on the site is free, needs no sign-up, and runs entirely in your browser, so your figures never leave your device.
How accurate is the result?
The maths is exact for the formula shown on the page. Accuracy in the real world depends on your inputs and on assumptions the formula cannot see, so treat the output as a well-grounded estimate rather than a quote.
Can I use it on my phone?
Yes. The page is responsive, weighs a few kilobytes and works offline once loaded, so it behaves the same on a phone as on a desktop.
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About this calculator
Written and reviewed by The Samsung Calculator editorial team. Every calculator is written against a published formula, reviewed against at least one independent reference implementation, and dated when it changes.
Last reviewed August 15, 2026 · Calculation runs client-side · No data collected · Report an error