How long does $2.5M last in retirement?

If you have $2.5 million saved, you’re well ahead of most Americans.

But how long that money lasts may depend less on the balance itself—and more on the decisions you make with it.

Wondering how much you can actually spend each year in retirement?

Using the 4% rule as a benchmark, you’d hypothetically withdraw about $100,000 in the first year (4% of $2.5 M), increasing slightly each year for inflation.

However, there may be potential downsides to the 4% rule, and it may not be the right strategy for your portfolio.

A financial advisor may be able to size and structure your retirement budget based on your income sources, spending needs, tax situation, and goals—so you know what’s realistic for you.

SmartAsset’s free quiz can help you find and compare vetted financial advisors who serve your area, each legally bound to work in your best interest.

It’s never too late to plan to work toward a comfortable retirement.

Get your Financial Matches

This Quiz Matches nearly 50,000 People Each Month with Vetted Fiduciary Financial Advisors

*Scientific claims made in ads haven’t been researched, verified, or endorsed by Nautilus.

This is a hypothetical example and is not representative of any specific security. Actual results when working with a financial advisor will vary.
This scenario is for illustrative purposes only and does not represent an actual client. Results may vary.
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