Retirement Withdrawal Calculator - How Long Will Your Money Last? 2026
Calculate how long your retirement portfolio will last based on withdrawal rate, investment returns, and inflation.
See when you might run out of money.
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Sources & References
S&P 500 Historical Returns
• Average annual return (1926-2024): ~10% nominal, ~7% inflation-adjusted
• Standard deviation: ~20% (indicating significant year-to-year volatility)
• Standard deviation: ~20% (indicating significant year-to-year volatility)
Dividend Yields
• S&P 500 average dividend yield: 1.5-2.0% (as of 2024-2025)
• Historical dividend growth rate: ~5.9% annually (1960-2024)
• Historical dividend growth rate: ~5.9% annually (1960-2024)
Bond Returns
• 10-Year Treasury bonds: ~5% average annual return (1926-2024)
• Corporate bonds (investment grade): ~6% average annual return
• Corporate bonds (investment grade): ~6% average annual return
Inflation Rate
• Long-term average: ~3% annually (1926-2024)
• Recent (2020-2024): 2-8% range with 2022 peak at 8%
• Recent (2020-2024): 2-8% range with 2022 peak at 8%
Important
Past performance does not guarantee future results. Market returns vary significantly year-to-year. These are long-term historical averages.
⚠️ Important