Will Your Retirement Money Last? Test the 4% Rule
Replay a retirement withdrawal plan against historical starting years to see how allocation, inflation, and sequence-of-returns risk affect survival.
Beyond a single 4% rule average
Retirement outcomes depend heavily on the market conditions that arrive early in retirement, not just the long-run average return.
This calculator tests stock and bond mixes across historical periods beginning in 1928 and tracks whether the plan survived or depleted.
What you can compare
Adjust portfolio size, withdrawals, stock allocation, and retirement length to see how often similar plans worked in history.
The results are inflation-adjusted so the focus stays on purchasing power, not just nominal account balances.