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If you know Excel or spreadsheets, it is easy enough to set up a model to see how long things will last.

The tough part is the stock market returns. People use various simulation systems to model what your returns will be over the years based on historical data, and assuming you make no adjustments in expenses, how long your money will last. That part is for the experts; difficult for individuals to duplicate.

Of course if your assets are such to allow all fixed income investments, then the calculations are easy and spreadsheet models serve very well.
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