Calculator Library
Retirement Withdrawal Quick Check

How Long Will My Money Last?

Estimate how long one retirement portfolio may support a consistent, inflation-adjusted annual withdrawal.

Your scenario

Four numbers to get started

Combine the retirement savings you want this quick check to treat as one portfolio.

Enter the first-year amount you expect to withdraw. The estimate increases it with inflation.

Use an estimated average after investment fees and before inflation.

Live estimate

Portfolio duration

Your estimate will appear here

Enter all four values to see how long the portfolio may last.

When the details matter

Need a tax-aware retirement plan?

The full Retirement Income Planner adds CPP, OAS, pensions, taxes, multiple accounts, withdrawal order, changing spending, household and survivor planning, and sequence-risk comparisons.

Explore the full Retirement Income Planner
Methodology and limitations

This quick check models one combined portfolio, one average annual return, and one annual withdrawal that maintains its purchasing power as prices rise. Each year applies the inflation-adjusted return before funding that year’s withdrawal.

It does not separately model taxes, fees, RRSP/RRIF rules, TFSA or non-registered accounts, CPP, OAS, pensions, withdrawal order, changing spending, survivor needs, or uneven market returns. Results are illustrative estimates for educational and planning purposes, not predictions or guarantees.