How Long Will My Money Last? 2026
Enter your current savings balance, monthly withdrawal amount, and expected investment return. See exactly when (or if) your money runs out.
$
$
%
Conservative: 4-5% | Moderate: 6-7% | Aggressive: 8-10%
%
37 yrs
Money Lasts Until Age
Balance depleted around year 2062
6.0%
Annual Return
$1,667
4% Rule Safe Monthly
$2,500
Forever Threshold
Starting Balance$500,000
Monthly Withdrawal (Year 1)$2,500
Annual Withdrawal (Year 1)$30,000
Withdrawal Rate6.0%
Inflation-Adjusted Monthly (Yr 20)$4,515
Years Until Depletion37 years
The 4% Rule Explained
The 4% rule comes from the Trinity Study (1998), which found that a portfolio of 50-75% stocks could sustain a 4% initial withdrawal rate (inflation-adjusted) for 30 years with over 95% success historically. For a $500,000 portfolio, this means $20,000/year or about $1,667/month.
What Can Make Your Money Last Longer
- Delay Social Security to age 70 — replaces $1,000-$2,000+/month of withdrawals
- Part-time income even for 5-7 years cuts the portfolio draw dramatically
- Flexible spending — reduce withdrawals in down-market years
- Bond/cash buffer — keep 1-2 years of expenses in cash to avoid selling stocks in downturns