Retirement Funds Longevity

Retirement Funds Longevity

“Die with Zero,” a concept popularized by Bill Perkins, promotes using retirement savings to maximize life experiences instead of over-saving.

How can you balance dying with zero and leaving a legacy or contingencies? Try the simulator below to find your balance.

How old are you and when do you plan to stop working for active income?
Investible Funds and Expenses
Your Retirement Analysis
Can You stop work as planned?
–
–
Annual Income Generated
–
From your investible funds
Withdrawal Rate
–
–
Fund Longevity
–
–
Years Until Retirement
–
To save and invest

Retirement Summary & Recommendations

Monthly Expenses:–
Annual Expenses:–
Annual Income from Funds:–
Withdrawal Rate:–
Annual Surplus / Shortfall:–
Funds Remaining at Age 90:–
Years Funds Will Last:–
Recommendation:–
Disclaimer & Assumptions
General Disclaimer
This calculator is provided for educational purposes only and does not constitute financial, investment, legal, or tax advice. Results are estimates based on your inputs and should not replace professional financial planning. Consult with a qualified financial advisor before making retirement decisions. Data entered is stored locally and not encrypted. Do not enter sensitive data.
Key Assumptions
Life Expectancy: Assumes age 90 which may differ based on individual health and circumstances.
Investible funds Drawdown: Principal withdrawn if income doesn’t cover expenses. Surplus adds to fund.
Yield Estimates: Yields are estimates and may differ from prevailing market realities and interest rate cycle.
Capital Neutral: Assumes no capital growth or loss in investible funds.
Static Expenses: Assumes expenses remain constant. Unless expenses fluctuate, inflation may increase overall expenses over time.
No Other Income: Does not include Social Security, pensions, or other income sources.
Withdrawal Rate: Annual expenses as percentage of funds. 4% is a common benchmark.
Limitations
Does not account for taxes, inflation, healthcare, market volatility, or major life changes. Use as a starting point, not the sole basis for retirement decisions.