⏳ Portfolio Longevity

How long your corpus lasts and a sustainable withdrawal rate.

What it does

Simulates withdrawing from a retirement corpus year by year — with inflation-escalating withdrawals — to find how long it lasts and what you can safely withdraw.

When to use it

Use it to stress-test retirement: does the corpus survive your expected years in retirement?

Assumptions
  • Withdrawals are taken at the start of each year and rise with inflation.
  • The portfolio earns a constant return with no bad years sequenced at the start.
  • No taxes or fees are subtracted.
Inputs
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Pro tip

The sustainable withdrawal rate is the honest number — if your plan needs more than a sustainable rate to survive, reduce spending or delay retirement rather than hoping for higher returns. Real-world drawdowns make the early years the danger zone, so stay conservative.