How Long Will $3,500,000 Last in Retirement?

How long will savings of $3,500,000 last? When will $3.5 million run out?
Current Savings
$
Yearly Withdrawals
$
Investment Return
(annual)
%

Results

Your savings will last for 34 years and 2 months.

Here is how your savings will change over time:

Year Savings
initial $3,500,000
1 $3,459,355
2 $3,416,678
3 $3,371,866
4 $3,324,815
5 $3,275,410
6 $3,223,536
7 $3,169,067
8 $3,111,875
9 $3,051,824
10 $2,988,770
11 $2,922,564
12 $2,853,047
13 $2,780,054
14 $2,703,412
15 $2,622,937
16 $2,538,439
17 $2,449,716
18 $2,356,556
19 $2,258,739
20 $2,156,031
21 $2,048,187
22 $1,934,951
23 $1,816,054
24 $1,691,212
25 $1,560,127
26 $1,422,488
27 $1,277,968
28 $1,126,221
29 $966,887
30 $799,586
31 $623,920
32 $439,471
33 $245,799
34 $42,444

How long will savings of $3,500,000 last in retirement? When will my money run out?

  • Enter your savings, the amount that you withdraw annually, and the return that you receive on your investments.
  • Then, click calculate.

Is $3.5 million enough to retire on? Will I run out of money in retirement? This is just an estimate. Small changes in investment return can have dramatic effects on the length of time that your savings will last.