How Long Will My Retirement Savings Last?
Estimate how many years your retirement savings will last at a given withdrawal rate — and see when home equity might need to fill the gap.
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How long savings last depends on your balance, withdrawals, returns, and inflation. Small changes shift the answer by years, so running the numbers reveals whether your pace is sustainable.
A reverse mortgage line of credit can be a standby buffer drawn only in down years, reducing the risk of selling investments at the worst time.
Frequently asked questions
What withdrawal rate is sustainable?
Around 4% is a common starting point, but it depends on age, markets, and horizon.
What is sequence-of-returns risk?
The danger that early losses permanently shrink your portfolio; a home-equity buffer helps avoid selling into a downturn.
How does equity extend savings?
Drawing from a line of credit in bad years lets investments recover.
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Estimate the minimum you must withdraw from your IRA or 401(k).
Open calculator →What this calculates
Projects your savings balance over time given withdrawals and a growth rate.
Assumptions & methodology
- Assumes a steady return; real markets fluctuate.
- Results are estimates based on the figures you enter and simplified assumptions.
- Taxes, fees, rates and individual circumstances can change real outcomes.
Important: These tools provide educational estimates only. They are not a loan offer, pre-approval, or financial advice, and results never mean you are approved for any product. Eligibility and terms are determined by a lender after a full application. Consider speaking with a HUD-approved counselor or financial professional.
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