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.
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
Estimated runway: 11 years 7 months
May be 0 if depleted before horizon.
How to use the Savings Runway calculator
Estimate how long savings can support current spending. Before calculating, enter accurate inputs: Enter savings balance, monthly spending, and expected returns.
After you get the output, interpret it like this: Use runway duration for contingency planning. Practical tip: Include conservative assumptions for uncertain periods.This calculator is for planning and scenario analysis, so use it with your broader risk management, position sizing, and market context before taking a real trade or investment decision.
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