Have you already saved enough that it grows into your number on its own — even if you never add another penny? This coasts your current pot to your retirement age, then funds your spending from it to the end.
The answer
100.0%
Leaving $320,000 alone until 62 and then spending $48,000 a year, that is how often the pot lasted to 95 across 41 historical sequences. Coasting is a real strategy and it is also the one most sensitive to the years right before you stop — the fan below shows how wide that gets.
In 100.0% of 41 sampled sequences, under this model and these assumptions, the plan funded its floor spending every year for 57 years. ±0.0 points is sampling error alone.
What the money does
What this calculator assumed, because you weren't asked
United States, 1928–2024 (97 years) · Damodaran (NYU Stern), Annual Returns on Stock, T.Bonds and T.Bills: 1928–current · retrieved 2026-08-08
This is one country's record, and it belongs to the most successful equity market of the twentieth century. Anyone whose future resembles it will be fine; that is not the same as a promise.
This is a modelling tool, not financial advice. It never names an investment and takes no money from anyone who sells one.
A pension that starts at 67, a mortgage that ends in 2034, a partner who stops working two years after you, a year of university fees, tax. The full app takes all of it, keeps every figure on your own device, and tells you which change moves the answer most.