“How long will my savings last?” is a runway question: if you start with a balance and spend a fixed amount each month, when does the money run out?
Core idea
With no growth, duration in months is roughly balance ÷ monthly withdrawal. With growth, each month can add a small return before the withdrawal, which can stretch the runway—or, if growth covers the withdrawal, the model never depletes under constant rates.
Sample
$100,000.00 · $2,000.00/month · 0% growth → about 4 yr 2 mo. Open sample
Related
Frequently asked questions
What does “how long will my savings last” mean?
It means estimating the months until a balance is used up if you withdraw a set amount each month, with or without growth.
How long does $100,000 last at $2,000/month (sample)?
About 4 yr 2 mo with 0% growth under Nestfigure’s model.
Related tool
Estimate runway with free math
Balance, monthly withdrawal, optional growth.
Open savings duration calculatorSources linked above include U.S. government materials (for example CFPB, FDIC, NCUA, BLS, IRS) where noted. Sample math uses only labeled Nestfigure assumptions—not bank quotes, job offers, or personalized advice. Last reviewed: August 9, 2026.