Early Retirement
How Long Will Your Money Last?
You've crossed the finish line — but retirement is a 25-30 year journey, not a destination. The order in which you draw from taxable, tax-deferred, and Roth accounts can save hundreds of thousands in taxes. Medicare decisions are complex and costly if wrong. Required Minimum Distributions start at 73 and force taxable income whether you need it or not.
Interactive Tool
Retirement Income Planner
Model how long your savings last at different withdrawal rates, with inflation and market scenarios.
Traditional rule of thumb: 4%
Monthly income
$5,000
Year 1 ($60K/yr)
Portfolio lasts
25 years
Runs out at age 90
At age 85
$542K
Remaining balance
Investing involves risk including loss of principal. No strategy assures success or protects against loss. Past performance is not a guarantee of future results.
This calculator provides estimates for educational purposes only. Actual results will vary based on market conditions, fees, tax circumstances, and other factors. Not investment advice. Consult with a qualified financial advisor before making decisions. Investing involves risk including loss of principal. No strategy assures success or protects against loss. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC.
Get Your Personalized Analysis
These numbers are general estimates. Shane Cloninger specializes in living your freedom planning and can build a strategy tailored to your situation.