The personal finance site GOBankingRates analyzed data from each state to show just how far one could last with a retirement fund worth $1 million when looking at annual expenses. 

The site took into account groceries, housing utilities, transportation and healthcare when compiling their findings. 

States including Hawaii, New York and California help make up the five worst places to live, with $1 million covering lass than 15 years. 

Meanwhile, states in the Midwest and South provide a tiny bit more bang for your buck, with some seeing $1 million last for as long as two decades.

Hawaii: 9 years, 7 months, 25 days 

Island life can be costly. According to the report, the picturesque beaches of Hawaii are the fastest places to see your $1 million in retirement funds go down the drain. 

With the annual groceries costing $5,339 and housing costs hitting $35,813, the site estimates that $1 million would last less than a decade - just 9 years, 7 months and 25 days. 

Other pricey living costs include $6,913 for utilities and a further $6,328 in transportation and $9,485 in healthcare, bringing total annual spending to $103,610.  

Massachusetts: 11 years, 8 months, 9 days 

It's mass-ively expensive. The second worst state on the list was Massachusetts, where your $1 million in savings could be emptied out in just over 11 years and 8 months, the site estimates. 

Annual groceries hit $5,080 in the Bay State and annual housing expenditure for a year climbed to $26,553.

In addition, those who plan to move to Massachusetts could expect to pay $5,867 for utilities and a further $5,813 in transportation and $8,694 in healthcare, bringing a total annual spend to $85,571.