How Long Will $750,000 Last in Retirement?

$750,000 can last decades in retirement, but the exact timeline depends on how much you spend, how your investments perform, and when you retire.

How long $750,000 can last

A common starting point is the 4 percent rule. With $750,000, that means withdrawing about $30,000 per year before taxes. At that level, your savings could potentially last around 30 years, depending on market conditions.

What affects how long your money lasts

Several factors play a major role in how long $750,000 will last in retirement. Higher spending will shorten your timeline, while strong investment returns can extend it. Inflation also reduces purchasing power over time, making it an important factor to consider.

Spending scenarios

If you spend closer to $25,000 per year, your savings may last significantly longer. If you spend $40,000 or more per year, your portfolio may be depleted much sooner. Small changes in spending can have a large impact over time.

When $750,000 works best

This level of savings is more likely to work if you have additional income sources such as Social Security, a pension, or part-time work. It is also more sustainable in lower cost-of-living areas or if major expenses like housing are already covered.

How to make $750,000 last longer

You can extend your savings by lowering withdrawals, adjusting spending during market downturns, and maintaining a balanced investment strategy. Flexibility is one of the most important factors in a successful retirement plan.

Use the calculators

Use the tools on this site to test different withdrawal rates, timeframes, and return assumptions. Running your own scenarios will give you a clearer picture of how long your savings may last.