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How long will $250,000 last?
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$250,000 at a 4% initial withdrawal gives about $833/month. The table assumes withdrawals rise 2.5% a year for inflation (the 0% column assumes cash under the mattress with flat withdrawals).
| Withdrawal | 5% return | 7% return | 0% return |
|---|---|---|---|
| $600/mo (2.9%) | 50+ yrs | 50+ yrs | 35 yrs |
| $800/mo (3.8%) | 44 yrs | 50+ yrs | 26 yrs |
| $1,000/mo (4.8%) | 30 yrs | 50+ yrs | 21 yrs |
| $1,200/mo (5.8%) | 23 yrs | 35 yrs | 17 yrs |
| $1,700/mo (8.2%) | 15 yrs | 18 yrs | 12 yrs |
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FAQ
How long will $250,000 last in retirement?
Withdrawing 4% ($10,000/year, $833/month) rising with 2.5% inflation, $250,000 lasts about 40 years at a 5% return.
How much income does $250,000 generate?
At a 4% withdrawal rate, about $10,000 a year. An annuity or dividend portfolio can produce different amounts.
Other amounts
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