Can I retire at age 75 with 10,100,000?

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 $10,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.3%
1 years$834,049$826,619$819,371$812,296$805,388$791,069
2 years$412,895$405,206$397,753$390,527$383,518$369,141
3 years$272,529$264,806$257,372$250,214$243,320$229,332
4 years$202,360$194,661$187,301$180,265$173,538$160,047
5 years$160,269$152,616$145,353$138,461$131,921$118,966
6 years$132,218$124,623$117,467$110,728$104,384$91,980
7 years$112,190$104,658$97,616$91,036$84,892$73,042
8 years$97,175$89,711$82,786$76,368$70,426$59,128
9 years$85,503$78,110$71,303$65,048$59,309$48,555
10 years$76,171$68,850$62,164$56,072$50,534$40,315
11 years$68,540$61,293$54,728$48,800$43,461$33,766
12 years$62,186$55,013$48,570$42,804$37,663$28,478
13 years$56,814$49,716$43,394$37,789$32,843$24,155
14 years$52,213$45,190$38,990$33,545$28,790$20,583
15 years$48,229$41,282$35,202$29,917$25,349$17,607
16 years$44,747$37,876$31,916$26,787$22,403$15,110
17 years$41,677$34,882$29,042$24,068$19,864$13,002
18 years$38,952$32,233$26,512$21,690$17,662$11,214
19 years$36,516$29,873$24,270$19,599$15,743$9,691
20 years$34,327$27,759$22,274$17,750$14,062$8,389
21 years$32,348$25,857$20,488$16,110$12,584$7,272
22 years$30,552$24,136$18,883$14,647$11,280$6,311
23 years$28,915$22,574$17,435$13,340$10,125$5,483
24 years$27,416$21,151$16,124$12,167$9,101$4,768
25 years$26,039$19,849$14,934$11,111$8,189$4,150
26 years$24,771$18,655$13,851$10,159$7,377$3,614
27 years$23,598$17,556$12,862$9,299$6,651$3,149
28 years$22,511$16,543$11,957$8,520$6,001$2,746
29 years$21,500$15,607$11,127$7,813$5,419$2,395
30 years$20,559$14,739$10,364$7,170$4,896$2,090
31 years$19,680$13,933$9,662$6,586$4,427$1,824
32 years$18,858$13,183$9,015$6,052$4,004$1,593
33 years$18,088$12,485$8,417$5,566$3,624$1,391
34 years$17,364$11,833$7,865$5,121$3,281$1,215
35 years$16,683$11,223$7,353$4,714$2,972$1,062
36 years$16,041$10,653$6,878$4,341$2,692$928
37 years$15,436$10,117$6,438$4,000$2,440$811
38 years$14,863$9,615$6,029$3,687$2,212$709
39 years$14,322$9,143$5,649$3,400$2,006$620
40 years$13,808$8,699$5,294$3,136$1,820$542
41 years$13,321$8,281$4,964$2,893$1,651$474
42 years$12,859$7,886$4,657$2,670$1,498$414
43 years$12,419$7,514$4,370$2,465$1,360$362
44 years$12,000$7,162$4,102$2,276$1,234$317
45 years$11,601$6,830$3,851$2,102$1,120$277
46 years$11,221$6,515$3,617$1,941$1,017$242
47 years$10,858$6,218$3,398$1,794$924$212
48 years$10,511$5,936$3,194$1,657$839$185
49 years$10,179$5,668$3,002$1,532$762$162
50 years$9,861$5,415$2,822$1,416$692$142

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 75 starting with $10,100,000, adding $4,332 every year, while hoping to spend $27,018 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: 25/46/29 Blend
74$10,100,000$10,100,000$10,100,000$10,100,000
75$11,134,668$10,599,368$10,442,818$11,311,832
76$12,241,658$11,089,991$10,763,906$11,951,705
77$13,460,654$11,603,748$11,094,844$12,634,686
78$14,803,055$12,141,745$11,435,935$13,366,407
79$16,281,416$12,705,140$11,787,489$14,150,978
80$17,909,577$13,295,148$12,149,826$14,992,894
81$19,702,785$13,913,042$12,523,276$15,897,069
82$21,677,842$14,560,154$12,908,180$16,868,877
83$23,853,265$15,237,885$13,304,886$17,914,200
84$26,249,456$15,947,699$13,713,758$19,039,474
85$28,888,898$16,691,133$14,135,166$20,251,747
86$31,796,365$17,469,799$14,569,494$21,558,736
87$34,999,160$18,285,385$15,017,138$22,968,895
88$38,527,366$19,139,660$15,478,504$24,491,490
89$42,414,135$20,034,481$15,954,011$26,136,674
90$46,696,000$20,971,794$16,444,093$27,915,582
91$51,413,217$21,953,636$16,949,195$29,840,421
92$56,610,148$22,982,148$17,469,776$31,924,582
93$62,335,678$24,059,568$18,006,309$34,182,757
94$68,643,679$25,188,249$18,559,282$36,631,068
95$75,593,513$26,370,652$19,129,197$39,287,207
96$83,250,598$27,609,360$19,716,572$42,170,600
97$91,687,021$28,907,081$20,321,939$45,302,572
98$100,982,223$30,266,654$20,945,850$48,706,544
99$111,223,744$31,691,055$21,588,871$52,408,240
100$122,508,053$33,183,403$22,251,584$56,435,916