Savings Runway Calculator
Estimate how long your savings last under withdrawals, expected return, inflation, fees and other income—then visualize it with a smooth balance chart and a clear sustainability gauge.
Inflation-adjustedFeesOther incomeInteractive chart
Inputs
Returns, inflation, and fees are combined to a monthly real return via the Fisher relationship; inflation toggles keep amounts in today’s purchasing power.
We combine return, inflation, and fees to compute a real monthly return, then simulate month-by-month. The chart shows projected real balance; the status indicates depletion within the chosen horizon.
Tip: try multiple scenarios (Conservative / Base / Aggressive) to understand sensitivity to assumptions.
Results
Status
Depletes
Estimated runway: 11 years 7 months
Ending balance at horizon
$0.00
May be 0 if depleted before horizon.
Real returnsCOLA toggleFees