How Long Will Your Money Last?
How Long Will Your Money Last?
Safe Withdrawal Rate
Estimate how much you can withdraw from your portfolio each year without running out of money. Uses the classic 4% rule plus Monte Carlo simulation to stress-test against market volatility, inflation, and longevity risk.
Portfolio
Withdrawal Rate
4.0%
Assumptions
Annual Withdrawal
—
at 4.0% rate
Monthly Income
—
from portfolio
Monte Carlo Simulation — 1,000 Scenarios
Portfolio survives full retirement—
Runs out before year 15—
Partially depleted (survives but low)—
Bear Market
—
avg return −3%
Base Scenario
—
your assumptions
Bull Market
—
avg return +3%
Real (inflation-adj.) return
—
Total monthly income
—
Retirement horizon
—
Success rating
—
Portfolio value
—
Withdrawal rate applied
—
Real (inflation-adj.) return
—
Estimated portfolio at age 80
—
Estimated portfolio at life expectancy
—
Note:
Monte Carlo results are based on 1,000 simulated scenarios using your assumed return and volatility. Past market performance does not guarantee future results. This calculator is for educational purposes only and is not financial advice.
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