Finance & investing · NUMORA
How Long Money Lasts Calculator
You have a pot you can spend. How far does today's pace last — or, to last until a given age, what's the most you can take?
Open interactive calculatorHow to use
Three questions on one ledger: how long, max spend to last N years, and remaining balance. Frequency, nominal vs APY, inflation.
Formula
Level monthly draw: n = ln(W / (W − P r)) / ln(1+r). Inflation and other modes use monthly simulation; max spend is binary-searched.
FAQ
Is this How Long Money Lasts calculator accurate?
The formula and assumptions are shown on the page, and the engine is covered by audit tests. Results are for reference — not financial or medical advice.
Do I need an account?
No. Calculations run in your browser. Recents can stay on this device.
What inputs do I need?
Three questions on one ledger: how long, max spend to last N years, and remaining balance. Frequency, nominal vs APY, inflation.
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