How Long Will Savings Last โ Retirement Longevity Calculator
See how many years your nest egg will last. 4% rule is a common starting point.
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4% rule is a traditional safe withdrawal rate. 3โ3.5% more conservative for long retirements. Sequence of returns risk matters early. Consider bucket strategy.
Ready to run the numbers?
Why: Knowing how long savings last helps plan withdrawals and avoid running out.
How: Simulate year-by-year: balance grows by return, shrinks by inflation-adjusted withdrawal. Net need = monthly withdrawal - Social Security.
Run the calculator when you are ready.
Sample Scenarios โ Click to Load
Savings & Withdrawals
Savings will last 50 years. Withdrawal rate: 2.4%.
Longevity Analysis
Savings & Income
Assumptions
Results
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๐ก Money Facts
4% rule: Withdraw 4% annually; historically sustainable.
3% is more conservative for 30+ years.
30 years is typical retirement length.
Social Security has COLA adjustments.
1. Key Takeaways
- โข 4% rule is a traditional safe withdrawal rate
- โข Social Security reduces needed withdrawals
- โข 3%โ3.5% more conservative for long retirements
- โข Inflation erodes purchasing power over time
- โข Sequence of returns risk matters early
- โข Consider bucket strategy for stability
2. Did You Know?
4% Rule
Withdraw 4% annually; historically sustainable
Sequence Risk
Early losses hurt more
Bucket Strategy
Cash, bonds, stocks for stability
Dynamic
Adjust based on market
Guardrails
Upper and lower limits
Social Security
Reduces withdrawal need
3. How It Works
Simulate year-by-year: balance grows by return, shrinks by inflation-adjusted withdrawal. Net need = monthly withdrawal - Social Security. Run until balance reaches zero.
Inputs
Total savings, monthly withdrawal, Social Security, return rate, inflation rate
Outputs
Years lasting, total withdrawn, withdrawal rate, final balance
4. Expert Tips
4% rule
Traditional starting point
Conservative
3โ3.5% for 30+ years
Dynamic
Adjust with market
Bucket
Cash, bonds, stocks
5. Comparison Table
| 4% | 3.5% | 3% |
|---|---|---|
| $500K | ~$1,460/mo | ~$1,460/mo |
| $1M | ~$2,920/mo | ~$2,500/mo |
6. FAQ
Withdraw 4% of portfolio annually; historically sustainable 30 years.
Yes โ reduces amount needed from savings.
Early losses hurt more; consider guardrails.
Withdrawals increase with inflation.
7. Quick Stats
4%
Safe rule
3%
Conservative
30
Typical years
COLA
SS adjusts
8. Sources
9. Disclaimer
โ ๏ธ Warning: Estimates only. Consult a financial advisor. Not financial advice.
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