Will My Money Last?
Will my money last, and what spending would last the whole way? Every piece below can be linked to, so it opens in a window on your reader's screen, current as of the record. No form to fill in.
2026 law · Reviewed September 7, 2026 · The full page, with methodology and sources · the terms · All tools
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A balance, a spending level, the ages, a return, inflation, and any outside income; out: the age the money runs short or the balance left, and the spending that lasts exactly. In a frame it carries no cookies, no tracking, and a visible link back to the methodology. Your site has to allow frames; most do. The link that opens it in a small window is on the professionals page.
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- 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.
Worked examples
Five illustrations under stated assumptions. Every figure here is hypothetical; the tool is for the shape, not a forecast.
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- $1,500,000 at 62, spending $90,000 a year rising 3 percent with inflation and earning 5 percent, with no outside income, runs short at 81. The sustainable spending is about $59,528 a year.
- The same plan with $40,000 a year of Social Security from 67 lasts through 95 with about $249,836 left; the sustainable spending rises to about $91,887.
- Drop the return from 5 to 3 percent and the same plan runs short at 87. Two points of return over thirty years is the difference between a margin and a shortfall.
- The first-year withdrawal rate is spending less outside income, over the balance. The old rule of thumb that 4 percent lasts thirty years came from historical sequences of real returns, which this calculator does not model; a fixed return flatters a plan.
- Spending that falls with age, taxes on withdrawals, and a late long-term care bill all change the answer, and none is in the tool. It answers one narrow question well: at these assumptions, when does the money run out?
Cite and link.
The clean address, a citation generated from the record so it can never carry a stale review date, and an address for every section so you can point a reader at the exact table or method.
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- Link
- https://consideratecapital.com/tools/will-my-money-last
- Citation
- Considerate Capital, "Will My Money Last?," reviewed September 7, 2026, https://consideratecapital.com/tools/will-my-money-last.
Link to a section
- The calculator https://consideratecapital.com/tools/will-my-money-last#calculator
- Worked examples https://consideratecapital.com/tools/will-my-money-last#facts
- How the projection works https://consideratecapital.com/tools/will-my-money-last#how-it-works
- Methodology and limits https://consideratecapital.com/tools/will-my-money-last#methodology
- Revision history https://consideratecapital.com/tools/will-my-money-last#revision-history
Everything here reads from one reviewed record, so a copied piece carries its year and its review date. When the law moves, the embed updates by itself; a copied table or chart keeps the year in its caption. Corrections are welcome through the contact page.