🏖 How much less retirement savings do you need?
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💰 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.
📈 Withdrawal Strategy
Withdrawal Strategy
⚠️ 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.
🔗 See Also
Based on content by Erin Talks Money | Erin Moriarity on YouTube.
Original: You DON'T Need $1 Million to Retire
This view was inspired by:
📊 Results
Verdict
Under $1M
Annual Income Gap
Target Portfolio
Savings vs $1M Rule
Calculator updated by heyfinfam (v26.8.0) · 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.