How this calculator works
This calculator estimates how long retirement savings could last based on current balance, monthly contributions, expected annual return, and planned retirement spending. Enter current savings, monthly contribution, annual return rate, years until retirement, and annual withdrawal amount to see the projection. Use it for retirement planning, comparing savings strategies, and understanding withdrawal sustainability. The key inputs are current savings, monthly contribution, annual return, years until retirement, and annual withdrawal. The output is the estimated years until savings run out and the projected retirement balance. Real-world applications include retirement planning, financial advisor conversations, and long-term savings goal setting. The calculator projects monthly contributions with a monthly equivalent of the annual return, then estimates how long annual withdrawals could last. It does not include inflation, taxes, Social Security, pensions, or market volatility. Use it for direction, not a final retirement plan.