Calculate exactly how long your retirement savings will last. See the impact of spending changes, returns, and inflation on your financial future.
Annual: $42,000
Includes $2,000 from Social Security/Pension
| Year | Age | Balance | Withdrawal |
|---|---|---|---|
| 1 | 66 | $511k | $19k |
| 6 | 71 | $571k | $21k |
| 11 | 76 | $631k | $25k |
| 16 | 81 | $692k | $29k |
| 21 | 86 | $749k | $33k |
| 26 | 91 | $796k | $39k |
| 31 | 96 | $827k | $45k |
| 36 | 101 | $830k | $52k |
At 3% inflation, your purchasing power will be cut in half in just 24 years. What costs $42,000 today will cost $75,857 in 20 years.
Gold has historically preserved purchasing power over long periods, making it an essential component of a retirement portfolio designed to last 30+ years.
The biggest fear in retirement is running out of money. This calculator helps you understand exactly how long your savings will last based on your spending, returns, and inflation assumptions.
Higher returns extend your money's lifespan, but come with more risk. A balanced approach typically assumes 5-7% returns.
Inflation is a silent wealth destroyer. At 3% inflation, $1 today is worth only $0.40 in 30 years.
The 4% rule suggests withdrawing 4% of your portfolio annually. Lower rates are safer for longer retirements.
Cutting just 10% from monthly expenses can add years to your retirement.
Each year you delay (up to 70) increases benefits by about 8%.
Even $500/month from part-time work reduces portfolio withdrawals significantly.
Moving to a lower cost-of-living area can dramatically reduce expenses.
Smaller home = lower mortgage, taxes, insurance, and maintenance costs.
Gold and TIPS help maintain purchasing power as prices rise.
Inflation is one of the biggest threats to retirement longevity. Over a 30-year retirement, even moderate 3% inflation will more than double your costs. Gold has historically maintained its purchasing power over long periods, making it an essential hedge for retirees.
Protect your retirement purchasing power with gold. Augusta Precious Metals can help you add inflation protection to your IRA.