Savings Runway Calculator

Savings Runway Calculator

See how long your savings could last against inflation, bank interest, and — if you have them — investment returns.

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Your numbers

Everything updates as you type.

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Income & taxes
Estimate income tax on withdrawals Treats savings/investment withdrawals as taxable income
Investments
I also have investments Track a separate, higher-growth balance
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Your runway

Based on the numbers above.

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Fill in your numbers to see an estimate.
Real return
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Total balance today
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Est. tax on withdrawals
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Monthly withdrawal needed
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Savings Monthly expense (right axis)
Year Balance Expenses Withdrawn

Estimate only, not financial advice. Assumes constant rates, monthly compounding, and spending and income that rise with inflation each month. Tax is a simplified estimate of U.S. federal income tax at the marginal bracket for the selected filing status (state, local, and payroll taxes aren't included), assuming withdrawals and other income are fully taxable — actual tax treatment depends on account type and other factors, so check with a tax professional. Real markets and bank rates vary.