Will Your Savings Last in Retirement?
Calculate how long your 401(k) and Social Security will sustain your desired lifestyle. Plan with confidence.
Adjust the variables below to find your optimal withdrawal strategy
The recommended safe withdrawal rate from your retirement savings
Years of retirement our calculator can help you plan for
For informational purposes only. Always consult a financial professional before making investment decisions.
Your Financials
Enter your retirement details to see projections.
Income Preview
Your projected income for key retirement years.
Social Security increases with COLA each year • Monthly goal rises with inflation • 401(k) withdrawal is the difference • Balance grows with investment returns • ⚠️ Warning appears when withdrawal rate exceeds 4% rule
Year 1 (2025)
Monthly Goal:
$3,200
Social Security:
$2,863
401(k) Withdrawal:
$337
4.04% withdrawal rate
401(k) Balance:
$104.0K
Year 2 (2026)
Monthly Goal:
$3,277
Social Security:
$2,929
401(k) Withdrawal:
$348
4.02% withdrawal rate
401(k) Balance:
$108.1K
Year 5 (2029)
Monthly Goal:
$3,518
Social Security:
$3,136
401(k) Withdrawal:
$383
3.93% withdrawal rate
401(k) Balance:
$121.7K
Year 10 (2034)
Monthly Goal:
$3,961
Social Security:
$3,513
401(k) Withdrawal:
$448
3.75% withdrawal rate
401(k) Balance:
$149.4K
Social Security Timing
Primary Insurance Amount (PIA) is the monthly benefit you would receive at Full Retirement Age (FRA). Use the slider to set your expected monthly benefit for the plan.
Select claiming age
67y
Monthly at age 67y
$2,863
0% vs PIA
FRA
67y 0m
PIA: $2,863
COLA Assumption
2.3%
applied annually
Claim at 62
$2,004
vs PIA: -30%
Claim at FRA
$2,863
Baseline (PIA)
Claim at 70
$3,550
vs PIA: 24%
Economic Assumptions
Adjust these values to match your expectations for inflation, Social Security increases, and investment returns.
The 20-year rate of inflation is 2.4%, while Social Security cost-of-living adjustment (COLA) is 2.3%. The S&P500 yields 10.3% in the same period, while bond yields are in the 4.3-4.7% range. Common guidance is a 60/40 stocks/bonds mix, which puts the 20-year return at 8%.