JobZakfWhat this tool answers
Simulate how long a lump-sum payout lasts when invested and drawn down with inflation. It runs entirely in your browser, so nothing you enter is stored or sent.
How it works
Each year the balance earns the return, then yearly spending (grown by inflation) is withdrawn. The tool counts the years until the balance runs out.
Frequently asked questions
Is the return guaranteed?
No. Returns are assumptions you control. Test low and high cases.
Does it include tax?
No. Death benefits are often income-tax-free but rules differ by country, so confirm locally.
ZS
Written and reviewed by Zain Shah, Founder and Editor. Updated October 2026. How we write.