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Will My Money Last?

Assumptions on sliders · method reviewed September 7, 2026

Projects whether your savings will last, year by year, at the spending and assumptions you choose. About

In plain words. Enter what you have saved, what you spend each year, your age, and what you expect investments to earn and prices to rise. The tool runs the years forward, taking out spending that grows with inflation and adding investment growth, and reports the age the money runs out, or that it lasts, and the spending level that would last to the age you chose.

Why it matters. It answers the question everyone asks in one number, and, more usefully, it shows which assumption moves that number most. That is where the real planning conversation starts.

An example. With $1,500,000 saved, $90,000 of spending a year, a five percent return, and three percent inflation from age 62, the money lasts past 95, with about $250,000 left. Raising spending to $92,000 a year would end it at about 95.

Where it stops. It is a straight line at one fixed return; real markets rise and fall, and the order of good and bad years matters. It ignores tax and fees. A real plan runs many possible paths, not one. Everything it leaves out.

$

Everything you have invested that would pay for retirement. Leave out your home.

What you spend in a year now. The tool raises it each year with inflation.

Your spending and your outside income both rise by this each year.

$

Social Security, a pension, or rent, in today's dollars.

The same rate every year, before inflation.

Your money lasts
Through 95
Your savings cover your spending all the way to 95, with about $249,836 left over. You could spend up to $91,887 a year in today's dollars and still just reach 95.
Your balance by age, 62 to 95A line of your savings balance by age from 62 to 95. It starts at $1,500,000, with $90,000 of yearly spending rising 3% a year, a 5% return, and $40,000 of outside income from age 67. It ends at $249,836.$0$500k$1M$1.5M6270798795

In the first year you would draw $90,000 from savings, 6.0% of what you have. The line is smooth because the tool uses the same return every year. Real markets do not, and a run of bad years early in retirement can shorten the money's life more than this chart shows.

This projects your balance year by year using the return, inflation, and spending you set, in future dollars and before tax. It leaves out taxes on withdrawals, the ups and downs of real market returns, changes in spending as you age, and Medicare or long-term care costs. Hypothetical; educational, not advice.

This is a simplified model, not your actual tax return or plan. It only knows what you type in, leaves out rules that may apply to you, and cannot weigh the other facts and trade-offs a real decision depends on. Before you act, talk with a professional who knows your whole situation.

Educational only, not investment, tax, or legal advice. Results are hypothetical estimates that vary with each use and over time and are not guaranteed accurate or complete. Using this tool creates no client relationship with Considerate Capital, and the site that linked here is not affiliated with it. By using it you agree to the tool terms.