Will My Retirement Savings Last

What Will My Retirement Savings Last does

Will My Retirement Savings Last operates a consumer-facing website at willmyretirementsavingslast.com that provides a free, no-signup retirement savings longevity calculator. The user enters current age, planned retirement age, total retirement savings, expected monthly expenses, expected Social Security, and a risk tolerance (Conservative, Moderate, or Aggressive). The tool then runs a year-by-year simulation using SSA 2024 Period Life Tables to derive a life-expectancy horizon, applies risk-tiered withdrawal rates of 3.5%/4.0%/4.5% derived from Bengen (1994) and the Trinity Study (1998), assumes real annual returns of 2.0%/4.0%/5.5%, and applies a 2.5% inflation assumption to project whether the portfolio reaches depletion before projected life expectancy. The underlying technology is a web-based deterministic simulation with no disclosed API, SDK, mobile app, or AI components.

The legal entity behind the site is Determined Solutions, US-domiciled, and the site is presented for educational purposes only per a disclaimer last updated January 1, 2026. The business model is affiliate lead generation: users who submit a lead form receive a personalized retirement report and have their contact and financial information forwarded to third-party licensed insurance agents and financial professionals, primarily for Fixed Indexed Annuity product consultations. The target customer is individuals aged 55–75 with at least $100,000 in retirement savings who are concerned about longevity risk, sequence-of-returns risk, and market volatility. Distribution is wholly organic, relying on SEO and content marketing, with Formspree used as the form-processing infrastructure.

Name

Will My Retirement Savings Last

Legal name

Determined Solutions

Website

https://willmyretirementsavingslast.com

Company type

Private

Operating status

Operating

Short description

Will My Retirement Savings Last is a free, web-based retirement longevity calculator operated by Determined Solutions that uses SSA actuarial tables and published withdrawal-rate research to project portfolio depletion, primarily serving US pre-retirees and retirees aged 55–75 as a lead-generation channel for Fixed Indexed Annuity sales.

Ownership category

akta.pro rank

Product category

Retirement Planning Services

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retirement Income Planning & Decumulation Advisory (FSAEABAD)

akta.pro secondary industries

Digital Retirement Platforms (IRA/401(k), Pension & Decumulation) (FSAGAEAF), Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)

Keywords

• Retirement savings calculator
• Longevity risk analysis
• Safe withdrawal rate research
• Fixed indexed annuities education
• Retirement income planning

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Marketing or Sales, Operations, Personnel

Revenue model

1. Lead Generation: Revenue generated by collecting user contact and financial information through the free calculator and sharing it with third-party licensed insurance agents and financial professionals who may contact users about retirement income products including Fixed Indexed Annuities

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

WillMyRetirementSavingsLast.com provides a free, web-based retirement savings longevity calculator that uses SSA actuarial life expectancy tables and peer-reviewed safe withdrawal rate research (Bengen 1994 and the Trinity Study) to project whether a user's portfolio will last through their projected retirement. Users enter their age, planned retirement age, savings, monthly expenses, expected Social Security, and risk tolerance, and the tool produces a year-by-year projection accounting for 2.5% annual inflation. The site also captures user contact information via a lead form and shares it with third-party licensed insurance and financial professionals who may contact users about retirement income products such as Fixed Indexed Annuities.

Product overview

WillMyRetirementSavingsLast.com is a lead-generation website offering a free educational retirement calculator. The Free Retirement Calculator runs year-by-year simulations using Social Security Administration actuarial tables and safe withdrawal rate research to project whether users' savings will last through their projected lifespan. The Personalized Retirement Report is generated from calculator inputs and shared with third-party licensed insurance and financial professionals who may contact users about Fixed Indexed Annuity products. The site operates primarily as a lead generation service for the retirement income insurance market.

Differentiator

Problem solved

Functional benefit

Products and services

• Free Retirement Calculator A free, no-signup web calculator that uses SSA actuarial life expectancy tables and Bengen (1994) / Trinity Study safe withdrawal rates to project whether a user's retirement savings will last through their projected lifespan, calculating the monthly income gap and applying risk-based withdrawal rates (Conservative 3.5%, Moderate 4.0%, Aggressive 4.5%) with a 2.5% annual inflation assumption in a year-by-year simulation. For individuals aged 55–75 who are planning for or already in retirement.
• Personalized Retirement Report A customized report generated based on the user's calculator inputs and delivered after lead form submission (full name, email, phone, and financial details). The report is shared with third-party licensed insurance agents and financial professionals who may contact the user to discuss retirement income products including Fixed Indexed Annuities. For pre-retirees and retirees with at least $100,000 in savings seeking guaranteed income solutions.

Quantifiable outcome

• Nearly half of retirees outlive their original financial projections according to Society of Actuaries research

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators1 record

Recent moves4 records

Expansion highlights6 records

Broad incumbents

• T. Rowe Price Retirement Income Calculator: T. Rowe Price publishes free retirement planning and income calculators on its retail investing site. Comparable as an incumbent retirement calculator aimed at the same pre-retiree cohort, monetized via asset gathering rather than third-party lead generation.
• Fidelity Retirement Score: Fidelity offers the free Retirement Score and other planning tools covering longevity, income gap, and Social Security. Comparable as an incumbent retirement calculator, though Fidelity pairs it with its own 401(k)/IRA products rather than third-party lead handoff.
• Vanguard Retirement Nest Egg Calculator: Vanguard provides free retirement savings and income-planning calculators on a high-authority investing site. Comparable for the free retirement calculator function targeting long-horizon savers, though it monetizes by retaining Vanguard assets rather than external lead resale.
• Empower (Personal Capital): Empower (formerly Personal Capital) provides free retirement planning tools, including savings longevity and withdrawal-rate calculators, alongside wealth management services. Comparable for its free retirement calculator aimed at the same demographic, though it sits within a broader wealth management platform.

Direct peers

• Bankrate Retirement Calculator: Bankrate publishes free retirement savings and longevity calculators on a high-authority domain. Comparable because both are free, web-based retirement calculators monetized via lead generation and advisor matching.
• Annuity.com: Annuity.com is an educational and lead-generation site focused on annuity products including Fixed Indexed Annuities, routing visitors to licensed agents. Comparable for the same annuity-vertical lead-gen monetization model targeting the same 55-75 persona.
• Blueprint Income: Blueprint Income offers a free annuity-comparison and income-planning tool and connects users to advisors and annuity products. Comparable as a digital annuity/income planning funnel that monetizes via lead generation to insurance professionals.
• NewRetirement: Direct peer offering a retirement planning calculator and goal-based projections for individual savers, with an optional paid planning tier. Comparable because both target DIY retirees running longevity and withdrawal-rate calculations.
• SmartAsset: SmartAsset runs free retirement, Social Security, and longevity calculators and matches users to financial advisors and annuity providers. Comparable for its PLG-calculator-then-advisor-match funnel aimed at the same retirement cohort.
• Annuity.org: Annuity.org provides educational content on annuities and retirement income and generates leads for licensed annuity agents. Comparable for combining free educational retirement content with lead handoff to annuity sellers, especially for FIAs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Will My Retirement Savings Last