Plan your wealth against your lifetime. See if your savings, returns, and Social Security can sustain your retirement.
Money outlasts you
9 years in retirement
At retirement
At life expectancy
Estimates are simplified from CDC 2023 life tables. Individual results vary based on genetics, lifestyle, and healthcare access.
Green = saving years | Purple = retirement spending
30 years of saving $18,000/year
9 years spending $50,000/year
Amount remaining at life expectancy
1,000 randomized scenarios with 4% annual return volatility. Wider bands = more uncertainty.
Money lasts to 74
At age 74
10th percentile
90th percentile
Your plan is highly robust. In 100% of 1,000 simulated market scenarios, your savings last beyond age 74. Even in the worst 10% of outcomes, you retain $2,932,523.
Money Lasts to Life Expectancy
100%
Monte Carlo Simulation
Plan for two lives. Accounts for survivor risk, combined Social Security, and shared expenses.
Plan for two lives together
Enable Couple Mode to add your spouse or partner. See how combined Social Security, shared expenses, and survivor risk affect your retirement outlook.
Couple Planning
Research-based estimates of how lifestyle habits affect longevity.
Regular Exercise
150+ min/week moderate activity
+3 to 7 years
Healthy Diet
Mediterranean or plant-rich diet
+4 to 6 years
Quality Sleep
7-8 hours consistently
+2 to 3 years
Smoking
Quitting at 40 regains ~9 years
−10 years
Chronic Stress
Linked to heart disease, immune decline
−2 to 3 years
Strong Social Ties
Loneliness rivals smoking in health risk
+3 to 5 years
Your base life expectancy: 74 years. Adopting healthy habits could extend it significantly. Sources: WHO, CDC 2023 Life Tables, Harvard T.H. Chan School of Public Health.
PRO unlocks Monte Carlo simulations, couple planning, survivor risk analysis, and confidence projections.
The biggest risk in retirement isn't market crashes. It's outliving your money. With life expectancy of 74 years and 9 years in retirement, you need a plan that accounts for inflation, healthcare costs, and the unexpected.
Your estimated Social Security of $2,000/month provides a baseline income floor. Consider delaying benefits to age 70 for a 24% higher monthly payment. This calculator factors in early claiming reductions starting at age 62.
A single-point projection assumes constant returns every year, but real markets are volatile. Monte Carlo simulation tests your plan against 1,000 randomized scenarios to show the probability of success, not just the best guess.
Planning for two means accounting for survivor risk: what happens when one spouse passes first. Social Security drops, but expenses don't fall in half. The couple planner models shared costs (1.6x single) and survivor costs (0.8x) for realistic projections.
Insights
Your savings are projected to outlast your life expectancy, leaving $4,459,338 as legacy.
Your inputs carry over automatically. Just pick a tool.
Will your money outlast you? Plan your retirement with life expectancy data, healthcare cost projections, and withdrawal strategy simulations.
The calculator uses actuarial data adjusted for lifestyle factors: exercise, diet, smoking, BMI, family history, and stress levels to provide a personalized estimate.
Knowing your estimated lifespan helps plan retirement savings, insurance needs, and estate planning. Underestimating can lead to outliving your savings.
Yes, significantly. Regular exercise can add 3-7 years, not smoking adds 10+ years, and healthy BMI adds 3-5 years. The calculator shows the impact of each factor.
The Lifestyle Factors section shows research-based impacts: regular exercise (+3-7 years), healthy diet (+4-6 years), quality sleep (+2-3 years), strong social ties (+3-5 years), while smoking costs ~10 years and chronic stress reduces lifespan by 2-3 years. Sources include WHO, CDC, and Harvard School of Public Health.
US women have a life expectancy of 79.3 years vs 73.5 for men (CDC 2024 data), a gap of about 5.8 years. The gap is partly biological (estrogen protection, lower iron-related disease risk) and partly behavioral (men smoke more, drive more aggressively, suffer higher occupational hazards, and seek medical care less often). The gap has been narrowing since 1980.
A common rule is to plan for 25-30 years of retirement spending. Using the 4% safe withdrawal rate, you need 25x your annual expenses (so $80K/yr × 25 = $2M). If you live to 95 and retire at 65, that is 30 years, so a more conservative 3.3% withdrawal rate or 30x multiple ($2.4M for the same $80K) gives a safer buffer for longer-than-expected lifespan.
Each year you delay claiming past your Full Retirement Age (66-67), benefits grow by 8% (Delayed Retirement Credits). Waiting from 62 to 70 increases your monthly benefit by about 76%. The break-even age is around 80-82: if you live past that, delaying wins. The calculator can model how your projected lifespan affects this decision.
