Tools & calculators / Savings and your planning horizon
LifeMeter · Updated October 3, 2026
Savings and your planning horizon
Check how long savings could fund the monthly gap after other income.
Your comparison
Change the inputs and select Update result.
How this works
Return is a constant assumption, not a forecast. We convert it to a real monthly rate, apply growth, then withdraw at the end of each month. Spending stays constant in today’s dollars. This omits market volatility, changing income, large one-off expenses and sequence risk. Try lower returns and higher spending as well.
The planning window is your selected age minus current age. Capital required is the present value of that many monthly withdrawals. “No depletion under these fixed assumptions” is not a guarantee of investment safety.
General education, not medical or financial advice. Results depend on the supplied assumptions and do not guarantee outcomes.