How Long Will My Retirement Savings Last?

How long will my retirement savings last?
Whether you’ve recently retired or just begun saving for retirement, you can use our calculator to estimate how long your savings may last. While there’s not an exact formula for predicting how long your savings will last, variables like inflation, investment returns, and unexpected expenses can dramatically affect how quickly your savings deplete.

However, there’s still value in coming up with an estimate. The key components are your total savings, your monthly spending, and additional monthly income such as a pension or social security. Additional factors to input include the rate of inflation, marginal tax rate, and rate of return. Try our calculator below to get your estimate.

A calculator like the one above can be helpful when planning for retirement, but the numbers they produce might seem very daunting. There are ways to elongate the life of your savings account, especially if you’re strategic with budgeting and withdrawal strategies.

For advice and guidance on retirement, income, investments and more, reach out to your local Financial Consultant or call (800) 382-0564.


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    Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC.). Insurance products are offered through LPL or its licensed affiliates. SouthState Bank, N.A. and SouthState Investment Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using SouthState Investment Services and may also be employees of SouthState Bank, N.A. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, SouthState Bank, N.A. or SouthState Investment Services. Securities and insurance offered through LPL or its affiliates are:

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  • This calculator is an illustrative tool meant for educational purposes only. The default figures and examples shown are hypothetical and may not be applicable to your individual situation. Furthermore, these calculations may not reflect the terms available for any loan, investment or other financial product offered by SouthState Bank, N.A. (the “Bank”). The calculations do not infer that the Bank assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information 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.

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