How long will $1 million last in retirement?
Years $1 million lasts by withdrawal and return, for $500,000 and $2 million too, and what two bad years at the start do.
Read guide: How long will $1 million last in retirement?Home / Withdrawals
Withdrawals
How much you can take out each year, how long it lasts and what changes the answer.
Guides
Sequence of returns risk, explained
Same average return, different order: why a bad start does more damage, with the numbers and ways to manage it.
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Can I retire with $500K?
What $500,000 pays a year, how long it lasts at each spending level and what Social Security adds.
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Safe withdrawal rate by retirement length
Starting withdrawal rates for 30 to 50-year retirements, what they assume and what they mean for your portfolio.
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How much do you need to invest to make $1,000 a month?
The amount invested for $500 to $10,000 a month, from dividends, interest or a withdrawal rate, and why the answers differ.
Read guide: How much do you need to invest to make $1,000 a month?Calculators
FIRE calculator
Your FIRE number and the age you reach it for lean, regular and fat FIRE. $40,000 a year at a 4% withdrawal rate needs $1,000,000.
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Coast FIRE calculator
How much you need invested today to stop saving. $231,377 at 35 grows to $1,000,000 by 65 on its own.
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How long will my money last
Years your savings last at a fixed withdrawal, with a two-bad-years test. $40,000 a year from $1,000,000 lasts 44.1 years.
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Net worth by age calculator
Your percentile among US families your age, from the Federal Reserve's 2025 survey. The median for all families is $216,100.
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Compound interest calculator
Your balance with monthly contributions, and how much of it is interest. $500 a month at 7% for 30 years grows to $609,985.
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Inflation calculator
What a dollar amount from any year since 1913 is worth in another, from the official CPI. $100 of 2000 is $187 in 2025.
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Rule of 72 calculator
How long money takes to double at any return. At 8% the rule says 9 years; the exact answer is 9.01.
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Net worth calculator
Add up what you own and what you owe, and see your percentile among US families your age.
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RMD calculator
Your required minimum distribution from the IRS table. At 75, $500,000 means at least $20,325 this year.
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72(t) calculator
Yearly SEPP payments before 59½ by the amortization and RMD methods, with the IRS life expectancy table.
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Retire early calculator
The age your savings could retire you, and the years to bridge before 59½ and Social Security.
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Social Security break-even calculator
When waiting to claim pays more in total. Claiming at 67 instead of 62 breaks even at 78.7.
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Emergency fund calculator
Your target in months of essential costs, and how long it takes to save it.
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Barista FIRE calculator
The portfolio you need when part-time work pays part of your spending: $625,000 for $50,000 a year with $25,000 of income.
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Interest calculator
Simple interest on any amount, and how much more compounding would give. $10,000 at 5% for 5 years earns $2,500.
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Investment calculator
What your money grows to with yearly contributions that rise, after fees, and in today's dollars.
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Future value calculator
The future value of a lump sum and regular payments, at the start or end of each period.
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APY calculator
Convert an interest rate to its APY by compounding. 5% compounded monthly is 5.12%.
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401(k) calculator
Your 401(k) at retirement with the employer match, raises and fees, under the 2026 IRS limits.
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Roth IRA calculator
Your tax-free balance at retirement. The 2026 maximum of $7,500 a year for 30 years at 7% grows to $708,456.
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CD calculator
Interest earned on a certificate of deposit from the APY and the term, with common terms side by side.
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Dividend calculator
Dividend income from your investment and yield, and what reinvesting does. $100,000 at 3.5% pays $3,500 a year.
Open calculator: Dividend calculatorLast reviewed by Asier Fernández, editor, on . Educational information only, not financial advice. How we calculate