Can I live off the interest of $100,000?

Written by Admin | Last Updated: July 2026

Relying solely on the interest from $200,000 is usually insufficient for a comfortable retirement in the U.S. Based on a 5% average annual return, this investment would generate approximately $10,000 per year, or roughly $833 per month. This amount is far below the average cost of basic needs, such as rent for a one-bedroom apartment, in most U.S. cities. Without significant supplemental income—such as Social Security, a pension, or part-time earnings—it would be extremely difficult to maintain a standard of living on this amount. Some retirees manage this by relocating to countries with a much lower cost of living, but for those staying in the U.S., $200,000 is best viewed as a supplement to other income rather than a standalone retirement fund.

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