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Savings

Savings Runway Calculator

Estimate how long a savings balance can support regular withdrawals under a stated rate assumption. Adjust the example inputs to explore how different assumptions affect the estimate.

Your scenario

Adjust the numbers

Start with the example values or enter your own assumptions.

This changes number formatting only. It does not convert amounts between currencies; enter all amounts in the selected currency.

Based on your inputs

Your estimate

Estimated time until depleted12 months
Balance at end of projection$0.00
Estimated interest earned$0.00
Withdrawals modeled$30,000.00

Educational estimate only. Actual terms, taxes, fees, and returns may differ.

How to use this calculator

Enter the savings balance available for withdrawals, the amount you expect to withdraw each month, an optional annual rate assumption, and a projection horizon.

How the calculation works

At each month end: interest = starting balance × annual rate ÷ 1,200; ending balance = max(0, starting balance + interest − withdrawal). The estimate stops when the balance reaches zero or the selected horizon ends.

Worked example

With $30,000, a $2,500 month-end withdrawal, and 0% interest, the balance supports 12 withdrawals. The final withdrawal reaches zero exactly; fees, inflation, and changing withdrawals are not modeled.

Assumptions and limitations

Assumes a constant nominal rate credited monthly before each month-end withdrawal. It excludes taxes, fees, inflation, market losses, and changing withdrawals. A projected runway is not a retirement-income plan or guarantee.

Frequently asked questions

Does this tell me how much I should withdraw?

No. It models the amount you enter and does not recommend a withdrawal rate.

What if savings are not depleted within my horizon?

The result reports that depletion is beyond the selected horizon and shows the modeled ending balance.

Sources and further reading

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Educational tool only. It does not provide personalized financial, tax, or legal advice.