We simulate your retirement savings month by month: the balance earns a steady return while you withdraw an income that rises with inflation each year, until the money runs out or you reach life expectancy.

Step by step

1. Each month the balance grows by the monthly return, then your monthly withdrawal is subtracted.
2. Once a year the withdrawal amount increases with inflation to preserve buying power.
3. If the balance reaches zero we report the age at depletion; otherwise your money is projected to last through life expectancy.

The math

Iterative: balanceₘ = balanceₘ₋₁ · (1 + annualReturn/12) − withdrawalₘ, with withdrawal × (1 + inflation) applied annually.

Sources & assumptions

• Standard deterministic drawdown simulation (public domain).
• Return, inflation, and life-expectancy assumptions are shown on-screen and tenant-configurable.

Note: Nothing proprietary — the full simulation is described here. It is a simplified model (no market volatility, taxes, or fees).

1. This depletion estimate is educational only and assumes steady returns; real markets vary.
2. Assumptions are shown alongside your results. Speak with your advisor for a full plan.