Portfolio Longevity Calculator
See how many years your portfolio will last at your planned withdrawal rate — and whether you're on track.
Portfolio Longevity Calculator
See exactly how many years your portfolio will last at your planned withdrawal rate.
⏳
Money lasts
36 years
Consider reducing withdrawals
💸
Withdrawal rate
5.0%
⚠ Above 4% guideline
📈
Real return rate
3.41%
After inflation adjustment
🌙
Sustainable monthly
$3,333
At 4% SWR on your portfolio
⚠️ At your current withdrawal rate, your portfolio depletes at year 36. Consider reducing annual withdrawals to $40,000 (4% SWR) to extend longevity.
Year-by-year depletion
| Year | Annual withdrawal | Portfolio balance |
|---|---|---|
| Year 1 | $50,000 | $1,010,000 |
| Year 2 | $51,250 | $1,019,350 |
| Year 3 | $52,531 | $1,027,980 |
| Year 4 | $53,845 | $1,035,814 |
| Year 5 | $55,191 | $1,042,772 |
| Year 6 | $56,570 | $1,048,768 |
| Year 7 | $57,985 | $1,053,710 |
| Year 8 | $59,434 | $1,057,498 |
| Year 9 | $60,920 | $1,060,028 |
| Year 10 | $62,443 | $1,061,186 |
| Year 11 | $64,004 | $1,060,853 |
| Year 12 | $65,604 | $1,058,900 |
| Year 13 | $67,244 | $1,055,189 |
| Year 14 | $68,926 | $1,049,575 |
| Year 15 | $70,649 | $1,041,901 |
| Year 16 | $72,415 | $1,032,000 |
| Year 17 | $74,225 | $1,019,695 |
| Year 18 | $76,081 | $1,004,796 |
| Year 19 | $77,983 | $987,100 |
| Year 20 | $79,933 | $966,394 |
| Year 21 | $81,931 | $942,447 |
| Year 22 | $83,979 | $915,015 |
| Year 23 | $86,079 | $883,837 |
| Year 24 | $88,231 | $848,637 |
| Year 25 | $90,436 | $809,118 |
| Year 26 | $92,697 | $764,968 |
| Year 27 | $95,015 | $715,852 |
| Year 28 | $97,390 | $661,413 |
| Year 29 | $99,825 | $601,273 |
| Year 30 | $102,320 | $535,029 |
| Year 31 | $104,878 | $462,252 |
| Year 32 | $107,500 | $382,487 |
| Year 33 | $110,188 | $295,248 |
| Year 34 | $112,943 | $200,021 |
| Year 35 | $115,766 | $96,256 |
| Year 36 | $118,660 | $0 |