# How Long Will My Money Last | Celestial Wealth Solutions

> Estimate how many years your retirement savings could last, based on the monthly withdrawal, hypothetical return and inflation assumption you choose.

Canonical page: https://celestialwealthsolutions.com/financial-tools/retirement-longevity-calculator

# Will your money last as long as you do, in about 2 minutes

How long the money lasts depends on three things: what you take out, what you assume it earns, and what inflation does to the first number every year.

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## What this assumes

- Withdrawals are taken at the start of every month and raised once a year by the inflation assumption you selected.

- The remaining balance is credited monthly at the hypothetical annual rate you chose, evenly, year after year. Real markets do not move that way.

- Sequence of returns is not modeled. A run of poor years early in retirement can drain a balance far faster than any average suggests.

- Taxes, fees, required minimum distributions, health costs and long term care costs are not included anywhere in this calculation.

## Reading your result

### What this calculated

How many years the balance you entered could support your monthly withdrawal, with that withdrawal rising each year for inflation and the balance credited at the hypothetical return you selected, until it reaches zero.

### Why the number matters

Running out is the risk retirees name first, and it is driven far more by how much comes out than by what the account earns. Putting a year on it turns a vague worry into something you can plan against.

### What could change it

A smaller withdrawal stretches the years, a larger one shortens them quickly. Inflation, taxes, a poor stretch early in retirement, a health event or the need for care can all move the ending year sooner.

### Reasonable next steps

Run it again with a lower withdrawal and a more cautious return, then measure that against a long life rather than an average one. If the years fall short, a written withdrawal plan is the next move.

This tool is educational and does not provide financial, investment, tax, legal or insurance advice. Results are estimates based only on the information you enter and the assumptions shown, they are not a quote, an offer of coverage or a promise of any outcome, and your actual situation will differ. Insurance guarantees are backed by the claims paying ability of the issuing insurance company. Speak with a licensed professional before acting on anything you see here.

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## Other tools worth two minutes

## Numbers are a start. A conversation is the next step.

Bring what this gave you. We will tell you what it misses, what it gets right, and what is actually worth doing about it.

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Celestial Wealth Solutions, an independent financial services agency in Fremont, California. Retirement and retirement, annuities, life insurance and IUL, free financial education, and licensing for new financial professionals.

Zeena Carmona (510) 461-2496, Geancarlo Carmona (858) 405-6743, Contact@CelestialWealthSolutions.com. Monday to Saturday, 9am to 6pm PT. Other times by appointment.

Important disclosures: Celestial Wealth Solutions provides financial education and insurance services. This website is for educational purposes only and is not financial, tax, legal or investment advice. Guarantees are backed by the claims-paying ability of the issuing insurance company. Policy loans and withdrawals reduce cash value and death benefits. Dividends are not guaranteed. Past performance does not indicate future results. Full set: https://celestialwealthsolutions.com/disclosures

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