Making it last
How do I draw it down?
Calculators for drawing retirement money down: how long it lasts, the income it pays, required minimum distributions, Roth conversions and when to claim Social Security.
Start here
How long will my money lastIt shows the age your savings run out at your spending, before you look at tax or claiming.
These pages are for the US. In another country? See the pages for readers outside the US.
- How long will my money last
The age your savings run out at your spending.
- Retirement income calculator
The steady income your savings and Social Security can pay.
- Monte Carlo calculator
How often the money lasts when returns go up and down.
- Social Security break-even
The age at which claiming later pays more in total.
- RMD calculator
The minimum you must take each year from traditional accounts, from 73 if you were born 1951 to 1959, or 75 if born 1960 or later.
- Inherited IRA RMD
What you must take from an IRA you inherited, and by when.
- Roth conversion calculator
The tax on converting this year, and the bracket room left.
Sources: IRC §401(a)(9)(C)(v) (SECURE 2.0 §107); T.D. 10001 (89 FR 58886); REG-103529-23 for 1959.