This is a tool whose primary purpose is to tell you how long your money will last in retirement given information about your current savings practice.

To use this spreadsheet, change any of the blue fields in the yellow box on the left. The results are shown in the green box on the right. The "Accumulation" and "Depletion" sheets show the detail of how your savings grow and shrink. More information below…

Already retired? This is a great tool even if you are past the point of accumulating savings for retirement. It can tell you how long your current savings will last. To use the tool to see how long your savings will last, set "Your age now" age and "Age to retire at" to your present age, and put zeros into the following fields: