How Long Will My Money Last in Retirement?
Wondering if your super, savings or investments will last the distance?Use our calculator below to estimate how long your retirement savings will support your lifestyle.
How to Use:
Starting Balance – Enter yo total retirement savings at the time you plan to stop working.
Annual Spending – How much you expect to spend each year in retirement (after tax). Best to be as realistic about this as possible!
Expected Return – An annual rate of return (e.g. 5–7% is common for a balanced portfolio).
Inflation – Add an assumed inflation rate to see how rising costs may affect longevity.
The calculator will show you how long your money could last before running out.
Starting Balance – Enter yo total retirement savings at the time you plan to stop working.
Annual Spending – How much you expect to spend each year in retirement (after tax). Best to be as realistic about this as possible!
Expected Return – An annual rate of return (e.g. 5–7% is common for a balanced portfolio).
Inflation – Add an assumed inflation rate to see how rising costs may affect longevity.
The calculator will show you how long your money could last before running out.
Why This Matters
Running out of money in retirement is one of the biggest financial risks Australians face.
Knowing how long your savings will last can help you:
- Adjust your spending or retirement age
- Decide whether you need to downsize or boost income
- Build a smarter drawdown strategy
Need a Tailored Plan?
This calculator gives you a useful guide — but retirement planning is personal.
We can help you map out a customised strategy that balances:
- Secure income
- Smart tax planning
- Investment risk
- Longevity planning