⏳ How long will my retirement savings last?
💰 Portfolio & Spending
Wondering how long your retirement savings will last? This calculator estimates when your portfolio might run out based on your planned spending and expected market returns. See if your current strategy outlasts your planning horizon.
📈 Rates & Horizon
Many financial advisers use the 4-percent rule of thumb. Retirees have decent odds their money lasts if they withdraw 4% of their initial balance annually, adjusted for inflation. The Center for Retirement Research notes that a typical boomer household approaching retirement has accumulated only about $135,000 in 401(k) and IRA accounts.
If your plan falls short, you have options. You can spend less, retire later, or delay claiming benefits. The Center for Retirement Research points out that delaying Social Security from age 62 to 70 grows the monthly check by 76%, reducing the burden on your portfolio.
⚠️ Model Assumptions
This tool assumes a steady average return, simplifying away sequence-of-returns risk where bad early years permanently damage a portfolio. It also excludes taxes on withdrawals and unpredictable one-off shocks like medical emergencies or long-term-care costs.
📊 Results
Real Return
Withdrawal Rate
Years Lasting
16
Plan Status
Falls short
Last updated by heyfinfam (v26.7.0) · View history
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Disclaimer: This content and any calculations provided are for informational purposes only. The views, calculations, and methodologies expressed are those of the author and do not necessarily reflect those of this platform. Not financial advice. Users are solely responsible for any decisions made based on this information.
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