There is a lot of loose talk about Access dying. It is worth separating what has been announced from what has been guessed at.
Microsoft has not withdrawn Access. It is still in Microsoft 365 and still in Office LTSC 2024. What is happening is ordinary lifecycle: each version gets a fixed number of years and 2021 has reached the end of its allocation.
Your database will still open. Microsoft's own wording is careful about this. The applications keep working. Files keep opening. Nobody at Microsoft flips a switch on the thirteenth.
What stops is the backing. No security updates for anything discovered from that date onwards. No bug fixes. No phone or chat support. And on Office 2021 specifically, Microsoft has said there is no extension and no paid extended security updates programme, so unlike Windows 10 there is no way to buy yourself another year.
So the question is not whether the thing breaks on a particular Tuesday. It is whether you are content for a system the workshop depends on to sit permanently outside the supported estate, with every vulnerability found after that date staying open.
Where this usually bites first
Not in a dramatic failure. It bites when your insurer's cyber questionnaire asks whether all business software is supported and patched, when a customer's supplier audit asks the same, or when your IT provider quietly puts unsupported Office on the list of things they will not troubleshoot.
Those three arrive on their own schedule, not Microsoft's, which is why the date on the calendar matters less than having an answer ready when one of them lands.