How Long Will My Money Last? Free Retirement Calculator

This calculator answers whether your savings can keep paying for the life you want, and flags it when the withdrawal rate needed to cover the gap climbs past what the common rules call safe.

The one number the calculator cannot know is how long you are here. J.P. Morgan gives a non-smoking 65-year-old man in excellent health a 64% chance of reaching 85 and a woman a 73% chance, and for a couple there is a 44% chance one of them reaches 95.¹ Run your number, then check it against how long you are likely to live.

Are you married or single?

Your age now

Age you want to retire

Spouse’s age now

Spouse’s retirement age

What you want to spend each month Everything you want. The bills, the trips, the time with the grandkids.

Social Security each month Your best estimate. Add both spouses if married.

Pension each month, if you have one Leave blank if none.

Sources

J.P. Morgan Asset Management, Guide to Retirement 2026, the Life Expectancy Probabilities page. J.P. Morgan’s own longevity chart for a non-smoker in excellent health who is age 65 today, giving a man a 64% chance of reaching 85, 43% of 90, 21% of 95 and 6% of 100; a woman 73%, 54%, 30% and 11%; at least one member of a couple 90%, 74%, 44% and 16%; and both members of a couple 47%, 23%, 6% and 1%.
Illustrative guaranteed-income figures are current carrier estimates, are hypothetical, and depend on your age, your contract, and the carrier at the time of purchase.

KJ Financial is a compliance-first firm. All educational content on this page reflects current law and research as of 2026 and is subject to change. Kurt H. Jackson is Life and Health Insurance Licensed in MO, NE, KS, IA, and FL, and is not a securities broker, registered investment advisor, or CPA. Nothing on this page constitutes personalized tax, legal, or investment advice. Any figures shown are illustrative estimates only and are not a guarantee of future results. Guaranteed income strategies involve real costs and require careful planning based on your individual circumstances.