I'm retired, how long will my savings last?

A successful retirement income strategy ensures your assets will last over your lifetime. But how long can you realistically expect to live after you retire? Since retirements of 25 or 30 years are becoming commonplace, you need to develop a strategy that ensures you won't outlive your retirement income. Use this calculator to help gain a general understanding of how your retirement income may be spent down, given a specified monthly income target.


Income Objectives
Monthly income needed (before-tax) ($)
Annual increases (if any) (%)
Fixed Income Receipts
Monthly Social Security income ($)
Annual Social Security increases (%)
Monthly pension income ($)
Annual pension increases (if any) (%)
Monthly other income ($)
Annual other income increases (if any) (%)
Savings And Assumptions
Current account balance ($)
Annual before-tax return (%)
Desired amortization schedule

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This calculator can be a helpful starting point for you to approximate answers to specific financial questions. It may help you analyze your financial strategy. It is not a substitute for financial planning advice and we recommend that you consult your financial advisor for a complete analysis. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. This service shall not infer that company assumes any fiduciary duties. In addition, such service should not be relied upon as the only source of information.

This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results. These are hypothetical examples for illustrative purposes only, and may not be used to project or predict results. The rate of return shown is hypothetical and not indicative of any particular investment; actual rates of return will vary and may be negative.

This is a general communication for informational and educational purposes. The materials and the information are not designed, or intended, to be applicable to any persons individual circumstances. It should not be considered investment advice, nor does it constitute a recommendation that anyone engage in (or refrain from) a particular course of action. If you are seeking investment advice or recommendations, please contact your financial professional.

Insurance products are issued by Minnesota Life Insurance Company in all states except New York. In New York, products are issued by Securian Life Insurance Company, a New York authorized insurer. Minnesota Life is not an authorized New York insurer and does not do insurance business in New York. Both companies are headquartered in St. Paul, MN. Product availability and features may vary by state. Each insurer is solely responsible for the financial obligations under the policies or contracts it issues.

Securian Financial is the marketing name for Securian Financial Group, Inc., and its subsidiaries. Minnesota Life Insurance Company and Securian Life Insurance Company are subsidiaries of Securian Financial Group, Inc.

F68592-3 Rev 01-2022
DOFU 10-2022
1967732

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