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Finance Calculators

How Long Will My Money Last Calculator

Verified formula Updated Jun 2026 Private — runs on your device

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Verified formula Private

Money lasts (months)

139

Money lasts (years)
11.6

For general information only — not financial, tax, legal or medical advice. Verify before you rely on it.

How to use the How Long Will My Money Last Calculator

The How Long Will My Money Last Calculator works out your money lasts (months), along with 1 related figure in an instant. Enter current savings, monthly withdrawal and annual return on savings and the result updates as you type — it is free, needs no sign-up, and runs entirely in your browser so your figures stay private.

  1. Enter the current savings.
  2. Enter the monthly withdrawal.
  3. Enter the annual return on savings.
  4. Read off your money lasts (months), together with money lasts (years) — the calculator updates automatically, with no button to press.

Worked example

For example, with current savings of ₹1,000,000, monthly withdrawal of ₹10,000 and annual return on savings of 6%, the money lasts (months) is 139.

Inputs used
Current savings ₹1,000,000
Monthly withdrawal ₹10,000
Annual return on savings 6%
Results
Money lasts (months) 139
Money lasts (years) 11.6

Results are estimates for educational use, not professional advice.

Frequently asked questions

It depends on the balance, your withdrawals and the return earned. 10,00,000 with 10,000 monthly withdrawals at 6% lasts about 139 months, or 11.6 years.

Money left invested keeps earning, so growth offsets part of each withdrawal and the fund lasts longer than simple division suggests.

Then the balance grows rather than shrinks, and the savings last indefinitely. The formula assumes withdrawals exceed interest.

No. To keep purchasing power, increase withdrawals over time, which shortens how long the money lasts.

Enter the current savings. Enter the monthly withdrawal. Enter the annual return on savings. Read off your money lasts (months), together with money lasts (years) — the calculator updates automatically, with no button to press.

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