How Long Will My Savings Last?
Estimate how long your savings may cover your monthly expenses after inflation if you stop earning today. See your survival time in years and months, plus a simple savings runway breakdown.
Inputs
Estimate how long your savings may cover living expenses after inflation.
Money lasts
2 years 7 months
Full months covered
31
Total spent
99,054
Last monthly expense
3,399
With savings of 100,000, current monthly expenses of 3,000, and inflation of 5.0%, your money covers about 2 years 7 months. By the last full month, your spending rises to about 3,399, and the next month would require about 3,413.
Savings runway chart
Track how your remaining savings decline while cumulative spending rises.
2 years 7 months
Hover or drag across the chart to inspect values.
946
99,054
Savings runway breakdown
Review how long your savings last, what you spend in each period, and the remaining balance.
| Period | Months covered | Monthly expense | Spent in period | Remaining savings |
|---|---|---|---|---|
| Year 1 | 12 | 3,140 | 36,837 | 63,163 |
| Year 2 | 24 | 3,301 | 38,721 | 24,442 |
| 2 years 7 months | 31 | 3,399 | 23,496 | 946 |
Want to model withdrawals with investment returns too?
This calculator assumes your savings sit idle. If your money stays invested while you withdraw from it, try the SWP Calculator for a more realistic projection.