How long will your savings last?

Years a balance lasts at each yearly withdrawal, raised 2% a year for inflation, at a steady 5% return. Every balance has its own page with the odds in 1,000 simulated markets and Social Security, and every withdrawal below opens its own year-by-year page.

Updated November 11, 2026 · By Berkay Kolay

Years savings last, by balance and yearly withdrawal

Years at a 5% return with 2% yearly raises
Balance	$30,000	$40,000	$50,000	$60,000	$80,000	$100,000
$100,000	–	–	–	–	–	–
$150,000	6 years	–	–	–	–	–
$200,000	8 years	6 years	–	–	–	–
$250,000	10 years	7 years	6 years	–	–	–
$300,000	12 years	9 years	7 years	6 years	–	–
$350,000	14 years	10 years	8 years	7 years	–	–
$400,000	17 years	12 years	9 years	8 years	6 years	–
$450,000	20 years	14 years	11 years	9 years	7 years	–
$500,000	23 years	16 years	12 years	10 years	7 years	6 years
$600,000	30 years	20 years	15 years	12 years	9 years	7 years
$700,000	38 years	24 years	18 years	14 years	10 years	8 years
$750,000	44 years	27 years	20 years	16 years	11 years	9 years
$800,000	50 years	30 years	22 years	17 years	12 years	9 years
$900,000	60+ years	36 years	25 years	20 years	14 years	11 years
$1 million	60+ years	44 years	30 years	23 years	16 years	12 years
$1.25 million	60+ years	60+ years	44 years	32 years	21 years	16 years
$1.5 million	60+ years	60+ years	60+ years	44 years	27 years	20 years
$1.75 million	60+ years	60+ years	60+ years	60+ years	34 years	24 years
$2 million	60+ years	60+ years	60+ years	60+ years	44 years	30 years
$2.5 million	60+ years	60+ years	60+ years	60+ years	60+ years	44 years
$3 million	60+ years	60+ years	60+ years	60+ years	60+ years	60+ years
$4 million	60+ years	60+ years	60+ years	60+ years	60+ years	60+ years
$5 million	60+ years	60+ years	60+ years	60+ years	60+ years	60+ years

Every balance and withdrawal

How long $100,000 lasts: $5,000 a year, $8,000 a year, $10,000 a year

How long $150,000 lasts: $5,000 a year, $8,000 a year, $10,000 a year, $12,000 a year, $15,000 a year

How long $200,000 lasts: $8,000 a year, $10,000 a year, $12,000 a year, $15,000 a year, $20,000 a year

How long $250,000 lasts: $8,000 a year, $10,000 a year, $12,000 a year, $15,000 a year, $20,000 a year, $25,000 a year

How long $300,000 lasts: $10,000 a year, $12,000 a year, $15,000 a year, $20,000 a year, $25,000 a year, $30,000 a year

How long $350,000 lasts: $12,000 a year, $15,000 a year, $20,000 a year, $25,000 a year, $30,000 a year

How long $400,000 lasts: $12,000 a year, $15,000 a year, $20,000 a year, $25,000 a year, $30,000 a year, $40,000 a year

How long $450,000 lasts: $15,000 a year, $20,000 a year, $25,000 a year, $30,000 a year, $40,000 a year

How long $500,000 lasts: $15,000 a year, $20,000 a year, $25,000 a year, $30,000 a year, $40,000 a year, $50,000 a year

How long $600,000 lasts: $20,000 a year, $25,000 a year, $30,000 a year, $40,000 a year, $50,000 a year, $60,000 a year

How long $700,000 lasts: $25,000 a year, $30,000 a year, $40,000 a year, $50,000 a year, $60,000 a year, $70,000 a year

How long $750,000 lasts: $25,000 a year, $30,000 a year, $40,000 a year, $50,000 a year, $60,000 a year, $70,000 a year

How long $800,000 lasts: $25,000 a year, $30,000 a year, $40,000 a year, $50,000 a year, $60,000 a year, $70,000 a year, $80,000 a year

How long $900,000 lasts: $30,000 a year, $40,000 a year, $50,000 a year, $60,000 a year, $70,000 a year, $80,000 a year

How long $1 million lasts: $30,000 a year, $40,000 a year, $50,000 a year, $60,000 a year, $70,000 a year, $80,000 a year, $100,000 a year

How long $1.25 million lasts: $40,000 a year, $50,000 a year, $60,000 a year, $70,000 a year, $80,000 a year, $100,000 a year, $120,000 a year

How long $1.5 million lasts: $50,000 a year, $60,000 a year, $70,000 a year, $80,000 a year, $100,000 a year, $120,000 a year, $150,000 a year

How long $1.75 million lasts: $60,000 a year, $70,000 a year, $80,000 a year, $100,000 a year, $120,000 a year, $150,000 a year

How long $2 million lasts: $60,000 a year, $70,000 a year, $80,000 a year, $100,000 a year, $120,000 a year, $150,000 a year, $200,000 a year

How long $2.5 million lasts: $80,000 a year, $100,000 a year, $120,000 a year, $150,000 a year, $200,000 a year, $250,000 a year

How long $3 million lasts: $100,000 a year, $120,000 a year, $150,000 a year, $200,000 a year, $250,000 a year, $300,000 a year

How long $4 million lasts: $120,000 a year, $150,000 a year, $200,000 a year, $250,000 a year, $300,000 a year, $400,000 a year

How long $5 million lasts: $150,000 a year, $200,000 a year, $250,000 a year, $300,000 a year, $400,000 a year, $500,000 a year

How it is worked out

The steady-return figures are the how-long calculator’s own math: the withdrawal comes out at the start of each year, the rest earns the return, and the next withdrawal is 2% larger to keep up with inflation. Real markets do not return the same every year, so the odds come from 1,000 simulated sequences of yearly returns: Trinity-style (7% average, 12% volatility, 3% inflation) and cautious (5%, 15%, 2%). Taxes and fees are not taken out; take them from the withdrawal you enter. More on the method on the methodology page.

Frequently asked questions

How long will my savings last in retirement?

It depends on the yearly withdrawal as a share of the balance. At a steady 5% return with withdrawals rising 2% a year, taking 4% lasts about 44 years, 5% about 30 years and 6% about 23 years. The tables here give the years for each balance and withdrawal.

How much can I withdraw so my money lasts 30 years?

At a steady 5% return with 2% yearly raises, a first-year withdrawal of about 4.9% of the balance spends it to zero in 30 years. To last 30 years in 9 of 10 simulated markets, Trinity-style returns allow about 3.2%.

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