How long will my money last in retirement

A constant-return year count, plus an optional 1,000-path band so the single line is not the only number on the page.

The calculator

Years the money lasts25Exhausted in year 25 at a constant 5.0%
Success rate11%1000 seeded paths
10th percentile ending$0
Median ending$0
90th percentile ending$244,694

Why the band exists

A 5% average with a 4% withdrawal can last forever on paper and still fail after a bad first decade. The band is 1,000 seeded paths around the return you typed. The live demo is the same idea on a full household.

Assumptions

Start-of-year withdrawals, then the return. No fees, no taxes, no other income.

Frequently asked questions

How long will my money last in retirement?
It depends on the withdrawal, the return, inflation and luck. This calculator reports the constant-return year count and, if you turn the band on, how often 1,000 seeded paths survive a chosen horizon.
Why is the single-line answer not enough?
A 5% average with a 4% withdrawal can last forever on paper and still fail after a bad first decade. The band is there so the single line is not the only number on the page.
Try the live demoStart a 5-day free trial