Retirement Income Check
Will my money last?
Move the sliders to see roughly how long your retirement savings could provide income, based on your own assumptions. This is a simple illustration — a real plan does much more.
Estimated age your savings could last to
What this simple math leaves out
This tool uses a straight line. Real retirements don't move in straight lines — and the gaps below are exactly where thoughtful planning earns its keep.
- The order your returns arrive (a downturn early in retirement hurts far more)
- Taxes on withdrawals — and how Roth conversions can lower them
- Real market ups and downs, not a smooth average
- Rising healthcare and long-term care costs
- Spending that changes across your retirement years
- Living longer than you planned for
Important: This calculator is provided for educational and illustrative purposes only. It uses a simplified, straight-line model and the assumptions you enter. It is not financial, tax, legal, or investment advice, and it is not a projection, prediction, or guarantee of future results. Actual outcomes will differ because of market volatility, the sequence in which returns occur, taxes, fees, healthcare costs, and changes in spending and longevity. Keep It Simple Financial Planning, LLC is a registered investment adviser; this tool does not reflect the performance of any KIS strategy, account, or recommendation.