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Longevity Analyzer

A big concern for anyone nearing retirement is how long their retirement savings will last. The average retiree needs more than 20 years of income at age 65, and many retirees need 30-40 years or more. Depending on how much you withdraw each year and what your savings earn in retirement, you may find yourself running short.

This calculator uses a logic known as a "Monte Carlo simulation" to illustrate how long your retirement portfolio might last, on average, given input information. Under a Monte Carlo simulation, probabilities are calculated for different scenarios, based on random samplings of past performance.

To gauge the likelihood of meeting your retirement needs, fill in the information below and click 'Submit'.




What is your current age?


  1. 14
  2. 35
  3. 56
  4. 78
  5. 99

Value:  

How many years of service do you have with your company?


  1. 0
  2. 19
  3. 38
  4. 56
  5. 75

Value:  

At what age do you plan to retire?


  1. 55
  2. 60
  3. 65
  4. 70
  5. 75

Value:  

What is your current annual compensation, including salary, bonus, and commissions?

You

Your Spouse

$ $

How much monthly income do you expect to earn from Social Security in today's dollars?

You

Your Spouse

$ $

How much monthly income do you expect to earn in pension benefits in today's dollars?

You

Your Spouse

$ $

How much do you currently have set aside for retirement?

You

Your Spouse

$ $

What percentage of your income are you currently contributing to your employer's retirement plan?

%

How much are you (and your spouse) currently saving monthly towards your retirement in IRAs, taxable investment accounts, and other arrangements apart from your employer-sponsored plan?

You

Your Spouse

$ $

Percentage (%)    Dollar ($)

Asset Class Pre-Retirement Post-Retirement

U.S. Stocks
   Large-Cap Stocks
   Small-Cap Stocks
Foreign Stocks
   Developed Markets
   Emerging Markets
Bonds
   U.S. Government Bonds
   Broad Investment-Grade
Money Market/Cash
Real Estate
Commodities
Totals: 0 0