Legacy Value At Target Age
Calculator
Results
- Legacy value
- $909,755.45
- Years projected
- 25 yr
- Total withdrawn
- $1,125,000.00
- Spend-it-all withdrawal
- $67,439.03
Portfolio balance path
- Ending balance
- Cumulative withdrawn
Year-by-year portfolio projection
| 1 | 45,000.00 | 42,975.00 | 997,975.00 | 45,000.00 |
| 2 | 45,000.00 | 42,883.88 | 995,858.88 | 90,000.00 |
| 3 | 45,000.00 | 42,788.65 | 993,647.52 | 135,000.00 |
| 4 | 45,000.00 | 42,689.14 | 991,336.66 | 180,000.00 |
| 5 | 45,000.00 | 42,585.15 | 988,921.81 | 225,000.00 |
| 6 | 45,000.00 | 42,476.48 | 986,398.29 | 270,000.00 |
| 7 | 45,000.00 | 42,362.92 | 983,761.22 | 315,000.00 |
| 8 | 45,000.00 | 42,244.25 | 981,005.47 | 360,000.00 |
| 9 | 45,000.00 | 42,120.25 | 978,125.72 | 405,000.00 |
| 10 | 45,000.00 | 41,990.66 | 975,116.38 | 450,000.00 |
| 11 | 45,000.00 | 41,855.24 | 971,971.61 | 495,000.00 |
| 12 | 45,000.00 | 41,713.72 | 968,685.34 | 540,000.00 |
| 13 | 45,000.00 | 41,565.84 | 965,251.18 | 585,000.00 |
| 14 | 45,000.00 | 41,411.30 | 961,662.48 | 630,000.00 |
| 15 | 45,000.00 | 41,249.81 | 957,912.29 | 675,000.00 |
| 16 | 45,000.00 | 41,081.05 | 953,993.34 | 720,000.00 |
| 17 | 45,000.00 | 40,904.70 | 949,898.04 | 765,000.00 |
| 18 | 45,000.00 | 40,720.41 | 945,618.46 | 810,000.00 |
| 19 | 45,000.00 | 40,527.83 | 941,146.29 | 855,000.00 |
| 20 | 45,000.00 | 40,326.58 | 936,472.87 | 900,000.00 |
| 21 | 45,000.00 | 40,116.28 | 931,589.15 | 945,000.00 |
| 22 | 45,000.00 | 39,896.51 | 926,485.66 | 990,000.00 |
| 23 | 45,000.00 | 39,666.85 | 921,152.51 | 1,035,000.00 |
| 24 | 45,000.00 | 39,426.86 | 915,579.38 | 1,080,000.00 |
| 25 | 45,000.00 | 39,176.07 | 909,755.45 | 1,125,000.00 |
Comparison
| Scenario | Ending balance | Total withdrawn | Annual withdrawal |
|---|---|---|---|
| Baseline scenario | 0.00 | 1,559,224.14 | 67,439.03 |
| Selected scenario | 909,755.45 | 1,125,000.00 | 45,000.00 |
Formula
B_n = B₀(1+r)^n − W × [((1+r)^n − 1) ÷ r] × (1+r)= 909755.45
Note
This is not financial advice. It is a simplified model: it applies the displayed formula to the figures you entered, uses a single constant rate for every year unless you supplied more, and ignores taxes, fees, product charges and any country's specific pension, benefit or minimum-distribution rules. Sequence-of-returns risk and longevity risk are real: a run of poor early years can exhaust a portfolio that the average return alone calls safe, and living longer than projected is the risk this page cannot price. Real returns can be negative. Consult a licensed adviser before acting on any figure here.
More in Retirement drawdown
See all →Frequently asked questions
What does 'legacy value' mean here?+
It's the projected remaining portfolio balance at a specific future age, after accounting for all withdrawals, investment growth, and inflation up to that point. It's essentially what you'd have left to pass on or fall back on if you live to that age.
Why does the legacy value swing so much with small changes in withdrawal rate?+
Because withdrawals compound against the balance over many years, a small increase in the withdrawal rate reduces the base that would otherwise be growing, and that gap widens every year it continues — so the effect on the far-future legacy value is much larger than the effect on next year's balance.
Is a legacy value of zero a bad outcome?+
Not necessarily — many people plan to spend down their savings and are comfortable with a legacy value near zero at their target age, as long as it doesn't go negative before then. A large legacy value simply means you spent more conservatively than strictly necessary.
Does this account for the risk that returns could be worse than the assumption?+
No, it projects forward using the average return you provide, so the actual legacy value could be substantially higher or lower depending on real market performance, especially the sequence of returns during the projection period. Treat the output as a central estimate, not a guaranteed inheritance.
How should I use this if I'm planning to leave an inheritance?+
Enter your target legacy amount and adjust the withdrawal rate or spending until the projected value at your target age meets it, then build in a buffer for below-average markets. It's a planning tool for balancing your own spending against what you want to leave behind.