The FIRE calculator answers "how much do I need"; this one answers "how long will it last". Enter your nest egg, monthly expenses, expected return and an optional inflation adjustment to simulate the drawdown phase year by year.
The simulation applies your return to the remaining balance each month, withdraws your living expenses, and — in the inflation mode — grows the withdrawal every year so your purchasing power stays constant in real terms.
Frequently asked questions
What withdrawal rate is safe?
The Trinity study popularised the 4% rule: withdrawing about 4% of the portfolio per year (roughly 0.327% per month) has historically survived 30+ years in most market conditions.
Why does the inflation mode deplete faster?
A fixed nominal withdrawal shrinks in real terms each year, so you effectively spend less over time. Growing the withdrawal with inflation keeps spending constant and is the honest way to model a multi-decade retirement.
中文说明
FIRE 计算器回答"要攒多少钱"，本工具回答"这笔钱够花多久"。输入退休资产总额、每月开支、预期收益率与通胀率，即可逐年模拟退休后的资产消耗轨迹。
模拟器每月先对剩余资产计息、再扣除当月生活开支；选择通胀调整模式时，提取额每年随通胀率上调，保证实际购买力不缩水。
常见问题
多高的提款率是安全的？
Trinity Study 提出著名的 4% 法则：每年提取资产总额的约 4%（折合每月约 0.327%），在绝大多数历史市场环境下都能支撑 30 年以上。
为什么通胀调整模式更快耗尽资产？
固定金额提取的实际购买力逐年缩水，相当于越花越省；随通胀上调才保持了恒定的实际消费水平，这也是数十年跨度退休规划的诚实口径。