Retirement Savings Longevity Calculator
How long will your portfolio last? Run the numbers instantly.
Retirement Savings Longevity Calculator
Grows with inflation each year. Defaults to ~4% of the starting balance — the classic 4% rule. Adjust up or down for your situation.
Why 4%? In 1994, William Bengen showed that withdrawing 4% of a balanced portfolio in year one and raising it with inflation each year survived every 30-year window in U.S. market history — including 1929 and 1966. It is the most defensible starting point, not a hard rule. Read more.
Want a more realistic view?
This basic version assumes a single, steady rate of return every year. Markets don't actually work that way — returns vary, and bad years early in retirement hurt much more than bad years late ("sequence-of-returns risk").
The Advanced Portfolio Longevity Simulator (Premium) runs your actual ticker mix through historical returns and 1,000 Monte Carlo scenarios to estimate the probability your portfolio survives.
Values update the link automatically — share the URL to let others see your exact inputs.