$800,000 at $30,000 a year, year by year
Starting at 65, the money runs out at age 114. 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 | $800,000 | $30,000 | $808,500 |
| 2 | 66 | $808,500 | $30,600 | $816,795 |
| 3 | 67 | $816,795 | $31,212 | $824,862 |
| 4 | 68 | $824,862 | $31,836 | $832,677 |
| 5 | 69 | $832,677 | $32,473 | $840,214 |
| 6 | 70 | $840,214 | $33,122 | $847,447 |
| 7 | 71 | $847,447 | $33,785 | $854,345 |
| 8 | 72 | $854,345 | $34,461 | $860,878 |
| 9 | 73 | $860,878 | $35,150 | $867,015 |
| 10 | 74 | $867,015 | $35,853 | $872,720 |
| 11 | 75 | $872,720 | $36,570 | $877,958 |
| 12 | 76 | $877,958 | $37,301 | $882,690 |
| 13 | 77 | $882,690 | $38,047 | $886,875 |
| 14 | 78 | $886,875 | $38,808 | $890,470 |
| 15 | 79 | $890,470 | $39,584 | $893,430 |
| 16 | 80 | $893,430 | $40,376 | $895,706 |
| 17 | 81 | $895,706 | $41,184 | $897,249 |
| 18 | 82 | $897,249 | $42,007 | $898,004 |
| 19 | 83 | $898,004 | $42,847 | $897,914 |
| 20 | 84 | $897,914 | $43,704 | $896,920 |
| 21 | 85 | $896,920 | $44,578 | $894,959 |
| 22 | 86 | $894,959 | $45,470 | $891,963 |
| 23 | 87 | $891,963 | $46,379 | $887,863 |
| 24 | 88 | $887,863 | $47,307 | $882,584 |
| 25 | 89 | $882,584 | $48,253 | $876,048 |
| 26 | 90 | $876,048 | $49,218 | $868,171 |
| 27 | 91 | $868,171 | $50,203 | $858,867 |
| 28 | 92 | $858,867 | $51,207 | $848,043 |
| 29 | 93 | $848,043 | $52,231 | $835,603 |
| 30 | 94 | $835,603 | $53,275 | $821,444 |
| 31 | 95 | $821,444 | $54,341 | $805,458 |
| 32 | 96 | $805,458 | $55,428 | $787,532 |
| 33 | 97 | $787,532 | $56,536 | $767,546 |
| 34 | 98 | $767,546 | $57,667 | $745,373 |
| 35 | 99 | $745,373 | $58,820 | $720,880 |
| 36 | 100 | $720,880 | $59,997 | $693,928 |
| 37 | 101 | $693,928 | $61,197 | $664,368 |
| 38 | 102 | $664,368 | $62,421 | $632,044 |
| 39 | 103 | $632,044 | $63,669 | $596,794 |
| 40 | 104 | $596,794 | $64,942 | $558,444 |
The odds $800,000 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 | 97% | 88% |
| 25 years | 91% | 75% |
| 30 years | 82% | 61% |
| 35 years | 73% | 49% |
| 40 years | 64% | 41% |
What other returns and inflation do
| Return | No raise | 2% raise | 3% raise |
|---|---|---|---|
| 3% | 51 years | 31 years | 27 years |
| 4% | 60+ years | 38 years | 31 years |
| 5% | 60+ years | 50 years | 37 years |
| 6% | 60+ years | 60+ years | 49 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 $800,000, raised 2.0% a year for inflation, at a steady 5.0% return, the money runs out in year 50, around age 114. To make it last exactly 30 years, you could start at $39,348 a year.
Other withdrawals from $800,000
| Withdrawal a year | A month | Lasts |
|---|---|---|
| $25,000 | $2,083 | 60+ years |
| $30,000 | $2,500 | 50 years |
| $40,000 | $3,333 | 30 years |
| $50,000 | $4,167 | 22 years |
| $60,000 | $5,000 | 17 years |
| $70,000 | $5,833 | 14 years |
| $80,000 | $6,667 | 12 years |
All withdrawals and the odds on one page: how long $800,000 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.