What you spend
Spending is the biggest lever you control. A plan that lasts 30 years at one spending level can run out at another — which is why Finnlight starts with a realistic estimate, not a guess.
Retirement planning
How long will my money last in retirement?
There is no single number that answers this for everyone — but there is a short list of things that decide it for you. Here is how to think about it, and how to see your own answer in a few minutes.
The five things that decide how long your money lasts
Rules of thumb like the 4% rule are a starting point, but your real answer depends on your numbers. These are the inputs that matter most.
Growth and inflation
What your savings earn, minus what prices do. Finnlight lets you pick aggressive, moderate, or conservative growth and shows everything in today's dollars so the numbers stay meaningful.
When you retire
Retiring at 60 instead of 67 means seven more years of withdrawals and seven fewer years of saving. Small timing changes move the answer more than most people expect.
Social Security
Social Security pays part of your spending before your savings do, so your savings last longer. When you claim changes the amount — Finnlight estimates it either way.
Costs people forget
Health insurance before Medicare, a new car, helping family — one-time and recurring costs matter. Finnlight plans for them as life events instead of pretending they won't happen.
The order of returns
Two plans with the same average return can end very differently if weak markets come early. Finnlight's simulation tests hundreds of market paths, not just the average.
How Finnlight answers it for you
Finnlight builds a year-by-year projection from your actual accounts, contributions, spending, Social Security, and planned life events — then tells you the age your savings last to, and how that changes when you adjust anything.
- Start a plan in minutes — no account or card needed to try it.
- See the age your money lasts to, in today's dollars.
- Test what-if questions: retire earlier, spend less, sell the house.
- Stress test against hundreds of simulated market paths.
- Save your plan free for 14 days when you're ready.
See your own answer
Start a plan with your numbers and Finnlight will show you how long your money lasts — and what changes it most. Finnlight is an educational planning tool and does not provide financial, tax, or legal advice.