Calculator
Legacy & Wealth Transfer
Estimate how much wealth you would leave to your heirs after a full retirement. See how assets grow, how spending draws them down, and what remains at different life expectancies.
In today's dollars, rising with inflation.
Social Security, pension, rental income. Also assumed to rise with inflation.
Estimated amount remaining at age 90
$5,606,553
That is $3,024,122 in today's purchasing power, after 25 years of retirement spending.
What longevity does to the estate
The same spending plan, measured at different ages. Nominal is the raw dollar figure; the real column restates it in today’s purchasing power.
| At age | Years of retirement | Remaining, nominal | Remaining, in today's dollars |
|---|---|---|---|
| 80 | 15 | $5,069,135 | $3,500,063 |
| 85 | 20 | $5,373,392 | $3,279,225 |
| 90 | 25 | $5,606,553 | $3,024,122 |
| 95 | 30 | $5,725,176 | $2,729,436 |
| 100 | 35 | $5,669,648 | $2,389,026 |
This shows the investment portfolio only. It does not include real estate, business interests, or life insurance, and it makes no allowance for estate tax, income tax on inherited retirement accounts, gifting during your lifetime, or charitable bequests. Those are exactly the pieces a plan has to coordinate, and a figure at age 100 is a starting point for that conversation rather than an answer.
What this calculator assumes
- Spending and other income both rise with inflation, and the portfolio funds only the difference between them.
- Returns are applied as a constant rate, and withdrawals are taken at the start of each year.
- Results cover the investment portfolio only. Real estate, business interests, and life insurance are excluded.
- No allowance is made for estate tax, income tax owed by heirs on inherited retirement accounts, lifetime gifting, or charitable bequests.
- The real-dollar column restates the ending balance in today's purchasing power at the inflation rate you set.
This tool produces estimates for planning discussion only. It is not investment, tax, or legal advice, it does not account for your full situation, and it is not a projection of actual results. Investments involve risk and are not guaranteed.
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