How long will my money last?
The drawdown question, answered plainly: a nest egg, a spending rate, a realistic return — and the month the math says it runs out.
$
$
4.0%
Real (after inflation) — retirees often hold a more conservative mix
Your money lasts
22 yr 9 mo
Spending 6.7% of the pot per year outpaces growth, so the balance runs out after 22 yr 9 mo.
Reading this honestly
This assumes steady real returns. In real markets, a bad run of years early in retirement (sequence-of-returns risk) can shorten these numbers — one reason many retirees plan around a 3.5–4% withdrawal rate rather than spending whatever the average return suggests.