How Long Will My Money Last?

Enter your savings, spending and income to see how long your money is projected to last. Your numbers stay in your browser.

Horizon in Odyn

Your plan, on your real assets

See how long your wealth can support your lifestyle under different scenarios. Adjust returns, income, spending, taxes, inflation, and life events to project your financial runway.

Horizon in the Odyn app: Source Assets, Scenario Assumptions, Life Events, the Horizon result of 55.5 Years of Sovereignty until 2081, and the Wealth Projection chart with the Sovereignty Threshold
  1. Source Assets Horizon starts from the assets you choose in Odyn, at today's prices.
  2. Scenario Assumptions The same six assumptions you set in the calculator above.
  3. Life Events Add future income or expenses to see how major life events may affect your Horizon.
  4. Horizon How long your current capital can support the scenario you have configured.
  5. Wealth Projection Projected portfolio value over time based on your current Horizon scenario.
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How it is calculated

Every month your savings and investments earn the Annual Return, less the Effective Tax Rate on that growth; your Net Monthly Income is added for its duration and your Monthly Spending is paid. Spending and income grow with Inflation. The projection runs month by month for up to 100 years, the same way Horizon in Odyn does. The result is a projection under the assumptions you enter, not a forecast.

What is the weak scenario?

The same plan with Annual Return 2 percentage points lower and Inflation 1 percentage point higher, every year. It shows how much your result depends on these two assumptions. It is a projection, not a forecast, and does not say how likely it is.

What is the Sovereignty Threshold?

It is the capital that, under these assumptions, covers your Monthly Spending for the full 100 years from its returns and itself. With more than that, your money is not projected to run out.

What return and inflation should I use?

Odyn does not recommend a rate. The defaults — 5% Annual Return, 2% Inflation, 0% Effective Tax Rate — are starting points; change them to your own assumptions and check the Weak Scenario to see how much the result depends on them.

Should I include my home?

Only if you plan to sell it and live on the money. A home you live in does not pay for your spending, so leave it out.

Is my data stored?

No. The calculator runs in your browser and sends no amounts anywhere.

Your plan changes as your wealth does. Horizon in Odyn recalculates it from your real assets.

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