Probability of still having money after X years.

Year	Probability	Year	Probability	Year	Probability	Year	Probability
1	100.0	11	99.5	21	81.0	31	57.4
2	100.0	12	98.9	22	78.3	32	55.5
3	100.0	13	98.1	23	75.7	33	53.9
4	100.0	14	96.9	24	73.1	34	52.3
5	100.0	15	95.3	25	70.6	35	50.7
6	99.9	16	93.4	26	68.1	36	49.3
7	99.9	17	91.2	27	65.7	37	47.9
8	99.9	18	88.8	28	63.4	38	46.7
9	99.9	19	86.3	29	61.3	39	45.4
10	99.8	20	83.8	30	59.4	40	44.2

What does this calculate?

To obtain the probability to run out of money in a certain year we simulate the performance of the market and the specified spending pattern over 40 years 10000 times. Based on when we cross into the negative we calculate the probability of this happening.
The yearly spending money is subtracted at the beginning of the year and the performance of the market is randomly extracted based on the given statistics (mean and variance) and applied to the money in the market.
All the calculations are done with inflation removed. The mean and variance will have to be adjusted to not include inflation. This can be done as the inflation is removed in all parts and no new money is added while simulating the 40 year performance.
Please remember that the spending money would have to be adjusted by inflation every year, if this is to be executed in a inflationary environment.
This is only meant as a tool to estimate market and spending patterns and is not in any way investment or retirement planning advice.