The naive answer
At a standard 500-kcal/day deficit, the textbook math suggests 20 lb should take about 20 weeks -- five months. Search results across the web overwhelmingly repeat this same figure.
Why the real number usually runs longer
Two things stretch that timeline in practice: adaptive thermogenesis (your body burning progressively fewer calories as you lose weight) and adherence variance (nobody hits their target perfectly every day for five months straight). Combined, these commonly add several weeks to a month or more onto the naive estimate.
What a probability-based estimate looks like
Running a 20 lb loss goal through a Monte Carlo model with realistic adherence assumptions (5-6 on-target days per week, occasional travel) typically produces a "most likely" outcome in the 24-28 week range, with a wider band extending from roughly week 18 on the fast end to week 35-plus on the slow end.
The practical takeaway
If you're planning around a firm date -- a wedding, a reunion, a medical event -- building in a buffer well beyond the naive linear estimate is the safer approach, since the data consistently shows real-world timelines skew longer, not shorter.