Can I retire at age 75 with 13,100,000?

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 $13,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.9%
1 years$1,081,786$1,072,150$1,062,749$1,053,572$1,044,612$1,036,293
2 years$535,538$525,564$515,897$506,525$497,434$489,048
3 years$353,479$343,462$333,820$324,536$315,593$307,399
4 years$262,467$252,481$242,935$233,810$225,083$217,146
5 years$207,874$197,948$188,528$179,588$171,105$163,447
6 years$171,491$161,639$152,358$143,618$135,389$128,021
7 years$145,513$135,744$126,611$118,076$110,108$103,032
8 years$126,039$116,358$107,376$99,051$91,345$84,562
9 years$110,900$101,311$92,483$84,370$76,926$70,433
10 years$98,796$89,300$80,629$72,728$65,545$59,338
11 years$88,899$79,499$70,984$63,295$56,371$50,447
12 years$80,658$71,354$62,997$55,518$48,850$43,202
13 years$73,689$64,483$56,283$49,014$42,598$37,221
14 years$67,722$58,613$50,571$43,509$37,341$32,229
15 years$62,555$53,544$45,659$38,803$32,878$28,022
16 years$58,038$49,126$41,396$34,744$29,058$24,452
17 years$54,057$45,243$37,669$31,217$25,764$21,400
18 years$50,522$41,807$34,387$28,133$22,909$18,778
19 years$47,362$38,746$31,480$25,420$20,419$16,513
20 years$44,523$36,005$28,890$23,023$18,239$14,550
21 years$41,957$33,537$26,574$20,895$16,321$12,842
22 years$39,627$31,305$24,492$18,998$14,630$11,350
23 years$37,503$29,279$22,614$17,302$13,133$10,045
24 years$35,559$27,433$20,914$15,780$11,804$8,900
25 years$33,774$25,744$19,370$14,412$10,622$7,893
26 years$32,128$24,196$17,965$13,177$9,568$7,006
27 years$30,607$22,771$16,682$12,061$8,626$6,223
28 years$29,197$21,457$15,508$11,051$7,783$5,532
29 years$27,887$20,242$14,432$10,134$7,028$4,920
30 years$26,666$19,117$13,443$9,300$6,350$4,378
31 years$25,526$18,071$12,532$8,542$5,741$3,898
32 years$24,460$17,099$11,693$7,850$5,194$3,472
33 years$23,460$16,193$10,918$7,219$4,700$3,093
34 years$22,521$15,348$10,201$6,642$4,255$2,757
35 years$21,638$14,557$9,537$6,114$3,854$2,458
36 years$20,806$13,817$8,922$5,631$3,492$2,192
37 years$20,020$13,123$8,350$5,188$3,165$1,955
38 years$19,278$12,471$7,820$4,782$2,869$1,744
39 years$18,575$11,859$7,326$4,409$2,602$1,556
40 years$17,910$11,283$6,867$4,067$2,360$1,389
41 years$17,278$10,740$6,439$3,752$2,141$1,240
42 years$16,678$10,229$6,040$3,463$1,943$1,107
43 years$16,108$9,746$5,668$3,197$1,763$988
44 years$15,565$9,290$5,320$2,952$1,601$882
45 years$15,047$8,859$4,995$2,726$1,453$788
46 years$14,554$8,451$4,692$2,518$1,319$704
47 years$14,083$8,065$4,408$2,326$1,198$628
48 years$13,632$7,699$4,142$2,150$1,088$561
49 years$13,202$7,352$3,893$1,987$988$501
50 years$12,790$7,023$3,660$1,836$898$448

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 75 starting with $13,100,000, adding $5,327 every year, while hoping to spend $22,135 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: 67/26/7 Blend
74$13,100,000$13,100,000$13,100,000$13,100,000
75$14,441,695$13,747,395$13,544,345$15,391,753
76$15,891,196$14,397,466$13,974,529$16,672,823
77$17,487,805$15,078,648$14,418,382$18,069,621
78$19,246,502$15,792,443$14,876,339$19,596,013
79$21,183,798$16,540,425$15,348,849$21,264,650
80$23,317,883$17,324,244$15,836,373$23,089,447
81$25,668,805$18,145,630$16,339,390$25,085,712
82$28,258,655$19,006,397$16,858,391$27,270,287
83$31,111,776$19,908,449$17,393,885$29,661,701
84$34,254,993$20,853,779$17,946,397$32,280,342
85$37,717,868$21,844,480$18,516,467$35,148,645
86$41,532,975$22,882,744$19,104,653$38,291,302
87$45,736,212$23,970,872$19,711,532$41,735,485
88$50,367,135$25,111,274$20,337,698$45,511,101
89$55,469,337$26,306,480$20,983,764$49,651,070
90$61,090,852$27,559,141$21,650,363$54,191,628
91$67,284,617$28,872,037$22,338,148$59,172,665
92$74,108,964$30,248,083$23,047,793$64,638,094
93$81,628,176$31,690,337$23,779,992$70,636,263
94$89,913,091$33,202,004$24,535,463$77,220,398
95$99,041,771$34,786,447$25,314,945$84,449,109
96$109,100,239$36,447,190$26,119,203$92,386,924
97$120,183,291$38,187,930$26,949,024$101,104,903
98$132,395,392$40,012,544$27,805,221$110,681,291
99$145,851,659$41,925,095$28,688,633$121,202,253
100$160,678,951$43,929,848$29,600,126$132,762,681