Savings drawdown

Use a constant real return to illustrate a spending amount that exhausts savings at the horizon.

This retirement spending calculator illustrates how long will my money last in retirement and how long will my retirement savings last if you take a level annual amount.

Selects the matching state income-tax pack for this tax year. Medicare, HSA, 401(k), and RMD rules stay federal.

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Nothing is saved. Leaving this page restores the example.

Example report

Illustrated results

Sustainable annual spend

$26,024

Sustainable monthly spend

$2,169

IRS Uniform Lifetime RMD (if all pre-tax)

$16,981

Federal + state tax on this spend

$4,604

Illustrated remaining balance

Assumptions

  • Uses a level inflation-adjusted withdrawal that exhausts savings at the end of the horizon if returns match the input.
  • If these savings were all pre-tax, the RMD uses the current IRS Uniform Lifetime Table and SECURE 2.0 start ages.
  • Illustrated federal tax treats the annual spend as extra ordinary income on top of other income (2026 IRS brackets).
  • State tax uses the shared 2026 California engine (2026-enacted-v1; progressive brackets). California excludes Social Security benefits from state taxable income.
  • MAGI is below the first 2026 IRMAA threshold ($109,000 for this filing status). Estimated Part B is $202.90/mo.
  • Rule year 2026: IRS federal income tax (2026-rev-proc-2025-32) and California state rules (2026-enacted-v1; progressive income tax). Medicare IRMAA, HSA, 401(k), and RMD tables are federal.

Educational planning software—not investment, tax, legal, Medicare, or Social Security advice. Projections depend on your inputs and assumptions. Optional professional review is separate when available.

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