Retirement Income

Will My Money Last?

See how long your retirement savings may last based on your spending, your guaranteed income, and your assumptions — and find the spending level your plan can comfortably support.

Run the numbers Talk with an advisor

Your retirement income picture

Enter your details in today's dollars. Everything is calculated privately in your browser — nothing is saved or sent anywhere.

About you

If you're already retired, set your retirement age to your current age.

Savings

Total across 401(k), IRA, and other investment accounts. Annual savings only applies if you're not yet retired.

Monthly income & spending

Guaranteed income = Social Security + any pension. Assumed to rise with inflation (COLA).

Assumptions

A single, steady return is a simplification. Real markets rise and fall year to year — see the note with your results.

•

Your projection

—How long savings may last
—Projected balance at your plan age
—First-year monthly withdrawal from savings
—Sustainable monthly spending (today's $)
Projected savings balance
— —

This calculator is for general educational purposes only. Results are hypothetical, depend entirely on the assumptions you enter, and use a single steady return — they do not reflect market ups and downs, the order in which returns occur (sequence-of-returns risk), taxes, or fees. This is not investment, tax, or legal advice or a recommendation of any security. Please talk with a qualified professional about your specific situation.

Save your snapshot

Email me my results

Get a copy of your retirement income snapshot plus a stage-based guide and occasional, plain-language tips. Unsubscribe anytime.

Submitting adds you to the MyStages email list and opens a confirmation in a new tab. See our Privacy Policy.

A real plan accounts for what a calculator can't.

Taxes, the order of market returns, health costs, and how you draw from different accounts all shape whether your money lasts. A conversation can turn this snapshot into a strategy built around your actual situation.

Talk to a Financial Professional View My Recommended Guide Take the MyStages Quiz

This calculator is provided for educational and illustrative purposes only. The results are hypothetical, based solely on the figures you enter, and are not a guarantee or prediction of future results. It does not reflect taxes, fees, inflation, or market volatility, and it is not individualized investment, tax, or legal advice. Your actual results will vary. Please consult a qualified financial professional before making any decisions.