Money Longevity Calculator
You've saved for 30+ years. The scariest question in retirement: Will it last? This calculator shows if your nest egg will outlive you - or the other way around.
Your Savings & Age
Enter your total retirement savings and current age
Total Retirement Savings
Current Age
Understanding Retirement Longevity
The 4% Rule
The classic guideline suggests withdrawing 4% of your initial savings annually (adjusted for inflation) to make your money last 30 years. More conservative estimates suggest 3-3.5% for longer retirements.
Sequence of Returns Risk
Poor market returns early in retirement can dramatically shorten how long your money lasts. This is why diversification with assets like gold can provide stability during volatile markets.
Inflation Impact
At 3% inflation, your purchasing power is cut in half every 24 years. Your $4,000/month expenses could become $8,000/month in 24 years. Gold historically maintains purchasing power over long periods.
Longevity Risk
A 65-year-old couple has a 50% chance of one spouse living to 90+. Planning for a 30+ year retirement is increasingly important. Running out of money is one of retirees' biggest fears.