A die-with-zero retirement calculator
Can I retire with $3,000,000?
How far $3,000,000 goes depends heavily on the age you start drawing from it — a shorter horizon sustainably supports more per year than a longer one. Pick your age below for the full breakdown against the standard 4% rule.
$3,000,000 by retirement age
| Retire at | Horizon to 90 | Sustainable / year | vs. 4% rule |
|---|---|---|---|
| Age 40 | 51 years | $133,438 | +11% |
| Age 45 | 46 years | $138,121 | +15% |
| Age 50 | 41 years | $144,280 | +20% |
| Age 55 | 36 years | $152,557 | +27% |
| Age 60 | 31 years | $164,004 | +37% |
| Age 62 | 29 years | $169,845 | +42% |
| Age 65 | 26 years | $180,482 | +50% |
| Age 67 | 24 years | $189,192 | +58% |
| Age 70 | 21 years | $205,615 | +71% |
Assumes a flat 4% real return, no other income, and no tax. Adjust it for your own numbers →
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