Can I retire at age 65 with 727,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $727,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.9%
1 years$60,035$59,500$58,978$58,469$57,972$57,035
2 years$29,720$29,167$28,630$28,110$27,606$26,664
3 years$19,617$19,061$18,526$18,010$17,514$16,598
4 years$14,566$14,012$13,482$12,976$12,491$11,607
5 years$11,536$10,985$10,463$9,966$9,496$8,646
6 years$9,517$8,970$8,455$7,970$7,514$6,699
7 years$8,075$7,533$7,026$6,553$6,111$5,332
8 years$6,995$6,457$5,959$5,497$5,069$4,326
9 years$6,155$5,622$5,132$4,682$4,269$3,561
10 years$5,483$4,956$4,475$4,036$3,637$2,964
11 years$4,934$4,412$3,939$3,513$3,128$2,489
12 years$4,476$3,960$3,496$3,081$2,711$2,104
13 years$4,089$3,579$3,124$2,720$2,364$1,790
14 years$3,758$3,253$2,806$2,415$2,072$1,529
15 years$3,472$2,972$2,534$2,153$1,825$1,312
16 years$3,221$2,726$2,297$1,928$1,613$1,129
17 years$3,000$2,511$2,090$1,732$1,430$974
18 years$2,804$2,320$1,908$1,561$1,271$843
19 years$2,628$2,150$1,747$1,411$1,133$730
20 years$2,471$1,998$1,603$1,278$1,012$634
21 years$2,328$1,861$1,475$1,160$906$551
22 years$2,199$1,737$1,359$1,054$812$480
23 years$2,081$1,625$1,255$960$729$418
24 years$1,973$1,522$1,161$876$655$365
25 years$1,874$1,429$1,075$800$589$319
26 years$1,783$1,343$997$731$531$278
27 years$1,699$1,264$926$669$479$243
28 years$1,620$1,191$861$613$432$213
29 years$1,548$1,123$801$562$390$186
30 years$1,480$1,061$746$516$352$163
31 years$1,417$1,003$695$474$319$143
32 years$1,357$949$649$436$288$125
33 years$1,302$899$606$401$261$110
34 years$1,250$852$566$369$236$96
35 years$1,201$808$529$339$214$84
36 years$1,155$767$495$312$194$74
37 years$1,111$728$463$288$176$65
38 years$1,070$692$434$265$159$57
39 years$1,031$658$407$245$144$50
40 years$994$626$381$226$131$44
41 years$959$596$357$208$119$38
42 years$926$568$335$192$108$34
43 years$894$541$315$177$98$30
44 years$864$516$295$164$89$26
45 years$835$492$277$151$81$23
46 years$808$469$260$140$73$20
47 years$782$448$245$129$66$18
48 years$757$427$230$119$60$15
49 years$733$408$216$110$55$13
50 years$710$390$203$102$50$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 65 starting with $727,000, adding $5,528 every year, while hoping to spend $29,934 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 46/49/5 Blend
64$727,000$727,000$727,000$727,000
65$806,856$768,325$757,057$842,645
66$857,306$774,124$750,568$873,591
67$911,898$779,203$742,860$903,550
68$971,024$783,496$733,858$935,339
69$1,035,114$786,932$723,487$969,135
70$1,104,639$789,436$711,668$1,005,135
71$1,180,120$790,926$698,316$1,043,556
72$1,262,129$791,318$683,347$1,084,641
73$1,351,294$790,520$666,667$1,128,657
74$1,448,308$788,437$648,181$1,175,899
75$1,553,931$784,967$627,791$1,226,697
76$1,669,001$779,999$605,392$1,281,414
77$1,794,440$773,421$580,874$1,340,453
78$1,931,264$765,109$554,123$1,404,259
79$2,080,587$754,933$525,021$1,473,326
80$2,243,640$742,758$493,442$1,548,200
81$2,421,776$728,438$459,257$1,629,485
82$2,616,484$711,818$422,329$1,717,852
83$2,829,404$692,736$382,516$1,814,039
84$3,062,343$671,020$339,669$1,918,867
85$3,317,287$646,485$293,634$2,033,241
86$3,596,428$618,941$244,248$2,158,164
87$3,902,175$588,180$191,342$2,294,744
88$4,237,185$553,989$134,740$2,444,207
89$4,604,380$516,137$74,256$2,607,908
90$5,006,983$474,383$9,699$2,787,346
91$5,448,538$428,471$0$2,984,177
92$5,932,954$378,131$0$3,203,389
93$6,464,533$323,077$0$3,444,606
94$7,048,015$263,008$0$3,709,557
95$7,688,622$197,605$0$4,000,726
96$8,392,105$126,530$0$4,320,854
97$9,164,798$49,429$0$4,672,970
98$10,013,683$0$0$5,060,421
99$10,946,447$0$0$5,505,271
100$11,971,561$0$0$6,023,545