How much can you spend?
We Are Calculator
Professional Financial Tools
8/25/2026
Total spending target before subtracting Social Security or other guaranteed income
Annual guaranteed income. This reduces what your portfolio actually has to fund — set to 0 to ignore.
30 is the classic Bengen/Trinity horizon (retiring around 65). Use 40-50+ for early/FIRE retirement.
Annual standard deviation of returns. ~11% is typical for a 50/50 stock/bond portfolio, ~15-16% for all-stock, ~7% for conservative. This drives the Monte Carlo simulation.
As a share of your portfolio
High historical failure rate for a 30-year retirement — 64.9% of 1,000 simulated 30-year retirements finished with money left, at 3.00% real return and 11.00% volatility
Half of simulations ended above this. Range: $0 (10th percentile) to $1,453,096 (90th)
1 in 10 simulations ended at or below this figure — the sequence-of-returns risk that averages hide
Published historical success rate for this withdrawal rate and horizon, from Bengen/Trinity data — shown as an independent cross-check on the simulation above
Covers your full 30-year horizon if returns never vary
Same withdrawals, same average return — only a -15%/-10%/+5% start to retirement. See the chart below.
Bengen/Trinity Study benchmark
25× the amount your portfolio must cover