Will Your Money Outlive You? Or Will You Outlive Your Money?

Most retirement projections focus on a single number: Your nest egg. But whether that money lasts depends on how these four things interact. When you claim Social Security. What you spend. What your savings earn. And how long you live. Change any one of those, and the picture changes dramatically.

This tool models the full arc of your retirement from today through your planning horizon so you can see where your money holds up and where it runs out.

Use this tool to:

• Compare savings sustainability across three Social Security claiming ages — 62, FRA, and 70
• Model separate pre-retirement and post-retirement income phases, including pensions and part-time work
• See exactly at what age your savings would be depleted under each scenario — if at all
• Visualize all three claiming strategies on a single chart to see where the lines diverge
• Review a year-by-year table showing SS income, other income, spending, and savings balance at every stage

How to use it:

• Select whether you're planning when to claim or already collecting
• Enter your age, SS benefit amounts, current savings, investment return, and annual spending
• Add any pre- or post-retirement income beyond Social Security
• Click "Show Me How Long My Money Lasts" to generate your sustainability analysis
• Use the scenario tabs to switch between claiming ages and compare the outcomes

This tool is completely private. No personal information is required, and nothing is stored or shared.