Free tool · Confidence Spend™

How long will your money last?

A conservative ballpark for how long your savings stretch — and your Confidence Spend™, the most you can spend each year and still reach your target age. Built on the worst 30-year stretch US stocks have ever delivered (about 3% above inflation), so it's a floor, not a rosy average. The full number adds your real taxes, healthcare, and ACA cliff.

Estimate your Confidence Spend™

Adjust the inputs to see how long your savings last and roughly what you could spend to age 90.

$
$
+ Add Social Security (optional)
Your Confidence Spend™
most you can spend to age 90
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At your planned spend, money lasts to age
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How is this calculated?
  • Starts from your investable assets and assumes you begin withdrawing today.
  • Each year it subtracts your spending (grossed up for taxes at the rate you pick), adds Social Security once you claim it, then grows what's left at 3% a year above inflation — the worst 30-year real return US stocks have delivered since 1871, not the ~6.5% median.
  • Your Confidence Spend is the most you could spend and still reach age 90 at that conservative return; the runway is the age your balance hits zero at your planned spend.
This is a deliberately conservative floor on a single worst-case return path. The full app goes further still — an 8-year cash buffer so you're never forced to sell in a downturn, plus your real tax brackets and year-by-year healthcare costs. See everything the app models →
This is a conservative floor on a flat tax assumption — it doesn't yet add the 8-year cash buffer, your real tax brackets, healthcare costs, or where your income lands against the ACA cliff before 65. Lumifin runs the full conservative engine — per-account modeling, real year-by-year taxes, and ACA/IRMAA healthcare — to pin down your actual Confidence Spend. Model your full picture in Lumifin →

See the real number, not the ballpark.

Lumifin finds your optimal withdrawal order and shows exactly where you land — year by year, with real tax, ACA, and IRMAA math. Full app access, $199/yr.

Join — $199/yr →

Free to join, no payment today · Claim July 2026 · Access August 2026

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