Calculator

Retiring in 2023: $1M grew to $1.7M on a 3.5% withdrawal

Retiring in 2023 with $1M and a 3.5% inflation-adjusted withdrawal, the portfolio was worth $1.7M after 3 years, as of the latest data. The S&P 500 never had a losing year over that span.

Portfolio Value: Started in 2023

100% S&P 500
50/50 stocks/bonds (Trinity study mix)
Major market event
Starting: $1,000,000 · Withdrawal: 3.5%