How to use the savings duration calculator

1. Enter your starting balance.
2. Enter a fixed monthly withdrawal (or use a preset).
3. Optional: enter a sample annual growth rate (0 for no growth).
4. Read duration, months, total withdrawn, growth, compare table, and month schedule.

Example: $100,000 · $2,000/mo · 0% growth

What it is not

• Not retirement or tax advice
• Not a market return forecast
• Not inflation-adjusted spending or Social Security

How we calculate · Questions

Frequently asked questions

What inputs do I need?

Starting balance, monthly withdrawal, and optional annual growth rate (sample only).

Can I share a prefilled link?

Yes—use balance, withdrawal, and return query parameters.

Sources 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.