How Long Will My Savings Last?
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Your Savings Will Last
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How Long Will Your Retirement Savings Last?
This is one of the most important questions in retirement planning - balancing the desire to enjoy your retirement against the risk of outliving your savings.
Key Factors That Affect Longevity
- Withdrawal rate: Higher annual withdrawals deplete savings faster
- Investment returns: Higher returns help savings last longer, but come with more volatility
- Inflation: If you increase withdrawals with inflation to maintain purchasing power, savings deplete faster than a fixed withdrawal amount
- Sequence of returns risk: Poor returns early in retirement can be more damaging than poor returns later, even with the same average return over time
This is a simplified projection using a constant assumed return - actual investment returns vary year to year. Not financial advice.