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How long will your money last?

Three inputs, one honest answer — including the withdrawal level your money could sustain forever.

Your inputs

$
$
5%
Your money lasts
Sustainable forever
$—
monthly withdrawal your return alone could fund
Balance over time at your withdrawal
Balance
Steady math meets unsteady markets.

This assumes every year returns exactly average. Real markets don’t — and the order of good and bad years can change this answer by a decade. We stress-test income plans against real sequences, free.

Stress-Test My Plan
HOW IT WORKS & IMPORTANT INFORMATION: The balance compounds monthly at your expected return while withdrawals are deducted monthly; duration is the time until depletion. If withdrawals don’t exceed expected monthly growth, the balance is sustained indefinitely at these assumptions. The perpetual figure equals your balance times the monthly return. This simplified educational tool is not financial, legal, or tax advice, not a projection of any actual investment, and not a guarantee. It assumes constant returns and inflation, ignores taxes, fees, market volatility, and sequence-of-returns risk, and actual results will differ. Consult a qualified professional about your situation. Mountain View Wealth Management, LLC · 2611 S Clark St., Suite 600, Arlington, VA 22202 · (571) 368-6178. © 2026.