Sam · What-If StrategistWhat if I lived to 100?
People are living longer than their plans assume. See whether your money would still be there if you reached 100.
Free to start · iOS & Android
Planning for a long life
Longevity is a financial risk most plans underestimate. Money that comfortably lasts to 85 can fall short by 95 or 100. This checks your balance against a full century of spending so you can see whether there's a gap.
Questions people ask
What age should I plan my retirement to?
Many planners suggest planning to at least 90–95, and longer if you have a family history of longevity. Planning to 100 builds in a margin of safety so you're less likely to outlive your savings.
What happens if my money runs out early?
You'd rely on other income such as pensions or benefits, reduce spending, or draw on other assets. Spotting a potential gap years ahead gives you time to adjust saving, spending or your retirement date.
Is the 4% guideline reliable for a long retirement?
It's a rough guide, not a guarantee — a longer retirement and weaker markets can strain it. Treat these numbers as an illustration and revisit them as your situation changes.
Related what-ifs
See it on your real money
Track your net worth, then ask Sam any “what if.” Free to start, on iOS and Android.
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