How Long Before I Go Broke Calculator

A Runaway Finance calculator

Retirement longevity calculator

See how long your retirement money could last. Project your savings year by year while accounting for retirement income, Social Security, pensions, healthcare inflation, part-time work, lifestyle changes and later-life costs.

How this calculator works. The outlook grows lifestyle at ordinary inflation and healthcare at a higher medical rate, then steps through go-go, slow-go and no-go years. Part-time work, housing, and two-person survivor rules apply only if you enter them. A straight-line compare sits beside the same plan.

Limitations. Educational projection only. It is not a forecast of markets, taxes, or health. Compare this outlook with a licensed advisor before making decisions. Last reviewed September 2026.

Free to use · No account required · Assumptions shown · Educational planning tools

Your timeline

When work tapers off, and how long you want the money to last. Two persons adds the partner’s age, work-end, plan-through age, and pay while still working. Drawdowns start when the first of you leaves full-time work; yearly saving continues until the later work-end.

Two personsOff = one person. On = a partner card with their income, a second plan-through age, and survivor years. One nest egg and one set of market returns.

Nest egg

Current savings grow as a future value. Annual savings are a level deposit each year (ordinary annuity) unless you turn on the inflation toggle below. Inflation always raises later spending.

Raise yearly saving with inflationOff = a level deposit (ordinary annuity). On = this year’s deposit rises with general inflation.

Phased work

Wages during the window are income × years. You can also invest extra each year: that grows as an ordinary annuity, or as amount × years if the rate is 0%. Leave the extra fields at 0 to skip.

Guaranteed income

Social Security has COLA (rises with general inflation). Pension is added from its start age through the plan-through age, not before the nest-egg cutoff. Turn pension COLA off if that pension does not adjust. If pension is $0, only Social Security is used.

Pension COLAOn = this pension rises with inflation. Off = a fixed annual amount.

Spending today

Lifestyle and health are tracked separately so medical inflation can outrun the CPI. A suggested comfortable-living estimate appears in your outlook.

Later-life housing

Senior rental, nursing home, or continuing-care rent. Only one applies each year: CCRC first, then nursing, then independent living. Nursing and CCRC rent inflate with healthcare costs; independent living follows general inflation. Lifestyle spending is reduced while you live there.

▶Advanced assumptions

Change these if you have a specific plan. Defaults are conservative US planning figures.

Market & inflation

Nominal annual rates.

Lifestyle phases

Go-go, slow-go, and no-go years. Factors scale lifestyle spending only.