$750,000 at $30,000 a year, year by year
Starting at 65, the money runs out at age 108. The withdrawal grows 2% a year, so by year 20 it is $43,704; the balance earns 5% on what is left after each withdrawal.
| Year | Age | Balance at start | Withdrawal | Balance at end |
|---|---|---|---|---|
| 1 | 65 | $750,000 | $30,000 | $756,000 |
| 2 | 66 | $756,000 | $30,600 | $761,670 |
| 3 | 67 | $761,670 | $31,212 | $766,981 |
| 4 | 68 | $766,981 | $31,836 | $771,902 |
| 5 | 69 | $771,902 | $32,473 | $776,400 |
| 6 | 70 | $776,400 | $33,122 | $780,442 |
| 7 | 71 | $780,442 | $33,785 | $783,990 |
| 8 | 72 | $783,990 | $34,461 | $787,006 |
| 9 | 73 | $787,006 | $35,150 | $789,449 |
| 10 | 74 | $789,449 | $35,853 | $791,276 |
| 11 | 75 | $791,276 | $36,570 | $792,441 |
| 12 | 76 | $792,441 | $37,301 | $792,897 |
| 13 | 77 | $792,897 | $38,047 | $792,592 |
| 14 | 78 | $792,592 | $38,808 | $791,473 |
| 15 | 79 | $791,473 | $39,584 | $789,483 |
| 16 | 80 | $789,483 | $40,376 | $786,563 |
| 17 | 81 | $786,563 | $41,184 | $782,648 |
| 18 | 82 | $782,648 | $42,007 | $777,673 |
| 19 | 83 | $777,673 | $42,847 | $771,567 |
| 20 | 84 | $771,567 | $43,704 | $764,255 |
| 21 | 85 | $764,255 | $44,578 | $755,661 |
| 22 | 86 | $755,661 | $45,470 | $745,700 |
| 23 | 87 | $745,700 | $46,379 | $734,287 |
| 24 | 88 | $734,287 | $47,307 | $721,329 |
| 25 | 89 | $721,329 | $48,253 | $706,730 |
| 26 | 90 | $706,730 | $49,218 | $690,387 |
| 27 | 91 | $690,387 | $50,203 | $672,194 |
| 28 | 92 | $672,194 | $51,207 | $652,037 |
| 29 | 93 | $652,037 | $52,231 | $629,796 |
| 30 | 94 | $629,796 | $53,275 | $605,347 |
| 31 | 95 | $605,347 | $54,341 | $578,556 |
| 32 | 96 | $578,556 | $55,428 | $549,285 |
| 33 | 97 | $549,285 | $56,536 | $517,386 |
| 34 | 98 | $517,386 | $57,667 | $482,705 |
| 35 | 99 | $482,705 | $58,820 | $445,079 |
| 36 | 100 | $445,079 | $59,997 | $404,337 |
| 37 | 101 | $404,337 | $61,197 | $360,297 |
| 38 | 102 | $360,297 | $62,421 | $312,771 |
| 39 | 103 | $312,771 | $63,669 | $261,557 |
| 40 | 104 | $261,557 | $64,942 | $206,445 |
The odds $750,000 lasts at $30,000 a year
Returns arrive in a random order, and a few bad years early do the most damage. In 1,000 simulated markets, this is the share in which $30,000 a year, rising with inflation, still leaves money in the account after each number of years.
| For | Trinity-style (7%, 12%) | Cautious (5%, 15%) |
|---|---|---|
| 20 years | 95% | 85% |
| 25 years | 87% | 68% |
| 30 years | 77% | 53% |
| 35 years | 66% | 42% |
| 40 years | 58% | 36% |
What other returns and inflation do
| Return | No raise | 2% raise | 3% raise |
|---|---|---|---|
| 3% | 45 years | 29 years | 25 years |
| 4% | 60+ years | 34 years | 29 years |
| 5% | 60+ years | 44 years | 34 years |
| 6% | 60+ years | 60+ years | 43 years |
| 7% | 60+ years | 60+ years | 60+ years |
$30,000 a year from other balances
| Balance | Lasts |
|---|---|
| $300,000 | 12 years |
| $350,000 | 14 years |
| $400,000 | 17 years |
| $450,000 | 20 years |
| $500,000 | 23 years |
| $600,000 | 30 years |
| $700,000 | 38 years |
| $750,000 | 44 years |
| $800,000 | 50 years |
| $900,000 | 60+ years |
| $1 million | 60+ years |
Tax on a $30,000 withdrawal
From a traditional 401(k) or IRA, the whole withdrawal is ordinary income, and it can make more of your Social Security taxable. Federal tax it adds at 65 on 2026 rules, estimates:
| Household | Federal tax | Share of the withdrawal |
|---|---|---|
| Single, $24,000 of Social Security | $1,810 | 6% |
| Married, $42,000 of Social Security | $0 | 0% |
Roth withdrawals after 59½ and a five-year holding period are tax-free; money in a taxable account is taxed only on the gains. The retirement tax calculator adds state tax.
The calculator, set to these numbers
Taking $30,000 a year ($2,500 a month) from $750,000, raised 2.0% a year for inflation, at a steady 5.0% return, the money runs out in year 44, around age 108. To make it last exactly 30 years, you could start at $36,889 a year.
Other withdrawals from $750,000
| Withdrawal a year | A month | Lasts |
|---|---|---|
| $25,000 | $2,083 | 60+ years |
| $30,000 | $2,500 | 44 years |
| $40,000 | $3,333 | 27 years |
| $50,000 | $4,167 | 20 years |
| $60,000 | $5,000 | 16 years |
| $70,000 | $5,833 | 13 years |
All withdrawals and the odds on one page: how long $750,000 lasts.
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.