Retirement planning isn’t just about how much you save—it’s about how long your money will last once you begin drawing from it. Every year, you’ll withdraw from your portfolio to cover living expenses, while inflation steadily increases the cost of those expenses. At the same time, your investments may continue to grow, helping to stretch your savings further.

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Our Retirement Portfolio Lifespan Calculator brings all of these factors together. By entering your current balance, annual withdrawals, expected investment growth rate, and inflation rate, you can estimate:

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• How long it may take for your portfolio to run out

• How much of your balance could remain at the end of your retirement

• How different withdrawal amounts, growth assumptions, or inflation rates change the outcome

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This tool makes it easier to test different scenarios, compare strategies, and plan ahead with confidence. Use it as a starting point for deeper financial conversations and to ensure your retirement savings are aligned with your long-term goals.

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NOTE: This calculator assumes annual withdrawals increase with inflation, while the portfolio grows at the selected investment rate. Results are estimates and will vary with market performance and actual inflation.