How Many Years Must Your Money Last?
Your money has to last as long as you do. Pick a number of years and see what it takes.
Free, no account, no email. Runs in your browser and nothing is saved.
Use a lifespan estimate or just pick a safe age. Many planners use 90 to 95.
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Amounts are in whatever currency you use. Returns are after inflation, so all figures are in today's money.
Result
- Your money needs to last 25 years (age 65 to age 90).
- To do that you need about 624,883 at retirement. The 4% rule says 1,000,000. (The 4% rule assumes about 30 years.)
- On your current plan you'll have about 683,043. That lasts until about age 94. Surplus: about 58,160 more than you need.
- Change ‘Plan to age’ to see how much the number moves.
Related calculators
Not sure what age to plan to? Get a free lifespan estimate at Longevity Modeler.
Educational only. Not financial advice.