Can I retire at age 75 with 13,600,000?

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 $13,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.1%
1 years$1,123,075$1,113,072$1,103,311$1,093,785$1,084,483$1,048,929
2 years$555,978$545,623$535,588$525,858$516,421$480,939
3 years$366,970$356,571$346,561$336,922$327,638$293,344
4 years$272,485$262,117$252,208$242,734$233,674$200,830
5 years$215,808$205,503$195,723$186,443$177,636$146,328
6 years$178,036$167,809$158,174$149,100$140,557$110,812
7 years$151,067$140,926$131,443$122,583$114,310$86,125
8 years$130,849$120,799$111,474$102,832$94,832$68,185
9 years$115,133$105,177$96,013$87,590$79,862$54,723
10 years$102,567$92,709$83,706$75,503$68,046$44,376
11 years$92,292$82,533$73,693$65,711$58,522$36,275
12 years$83,736$74,077$65,401$57,637$50,714$29,842
13 years$76,502$66,944$58,431$50,885$44,224$24,674
14 years$70,307$60,850$52,501$45,170$38,766$20,484
15 years$64,942$55,588$47,401$40,284$34,133$17,063
16 years$60,253$51,001$42,976$36,070$30,167$14,252
17 years$56,120$46,970$39,107$32,408$26,748$11,930
18 years$52,450$43,402$35,699$29,206$23,783$10,005
19 years$49,170$40,225$32,681$26,390$21,198$8,404
20 years$46,222$37,379$29,993$23,902$18,935$7,068
21 years$43,558$34,817$27,588$21,692$16,944$5,951
22 years$41,140$32,500$25,426$19,723$15,188$5,015
23 years$38,935$30,397$23,477$17,962$13,634$4,229
24 years$36,917$28,480$21,712$16,383$12,254$3,569
25 years$35,063$26,727$20,110$14,962$11,027$3,013
26 years$33,354$25,119$18,651$13,680$9,933$2,545
27 years$31,775$23,640$17,319$12,522$8,955$2,151
28 years$30,311$22,276$16,100$11,473$8,080$1,818
29 years$28,951$21,015$14,983$10,521$7,296$1,537
30 years$27,684$19,846$13,956$9,655$6,593$1,300
31 years$26,500$18,761$13,010$8,868$5,961$1,099
32 years$25,393$17,752$12,139$8,150$5,392$930
33 years$24,356$16,811$11,334$7,494$4,880$787
34 years$23,381$15,933$10,590$6,895$4,418$666
35 years$22,464$15,113$9,901$6,348$4,001$564
36 years$21,600$14,344$9,262$5,846$3,625$477
37 years$20,785$13,624$8,669$5,386$3,286$404
38 years$20,014$12,947$8,118$4,965$2,979$342
39 years$19,284$12,311$7,606$4,578$2,701$289
40 years$18,593$11,713$7,129$4,222$2,450$245
41 years$17,938$11,150$6,685$3,896$2,223$207
42 years$17,315$10,619$6,271$3,595$2,017$176
43 years$16,723$10,118$5,884$3,319$1,831$149
44 years$16,159$9,644$5,523$3,064$1,662$126
45 years$15,622$9,197$5,186$2,830$1,509$107
46 years$15,109$8,773$4,871$2,614$1,370$90
47 years$14,620$8,372$4,576$2,415$1,244$76
48 years$14,153$7,993$4,300$2,232$1,129$65
49 years$13,706$7,632$4,042$2,062$1,026$55
50 years$13,278$7,291$3,800$1,906$932$46

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 75 starting with $13,600,000, adding $5,154 every year, while hoping to spend $59,729 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: 48/24/28 Blend
74$13,600,000$13,600,000$13,600,000$13,600,000
75$14,992,516$14,271,716$14,060,916$15,592,064
76$16,458,202$14,907,479$14,468,406$16,650,160
77$18,071,385$15,572,393$14,887,544$17,792,298
78$19,847,049$16,267,822$15,318,659$19,031,535
79$21,801,700$16,995,197$15,762,086$20,377,060
80$23,953,528$17,756,017$16,218,171$21,838,971
81$26,322,577$18,551,851$16,687,269$23,428,368
82$28,930,931$19,384,342$17,169,743$25,157,453
83$31,802,925$20,255,215$17,665,969$27,039,642
84$34,965,376$21,166,273$18,176,332$29,089,683
85$38,447,831$22,119,407$18,701,226$31,323,797
86$42,282,851$23,116,599$19,241,058$33,759,824
87$46,506,312$24,159,923$19,796,244$36,417,384
88$51,157,751$25,251,554$20,367,213$39,318,063
89$56,280,732$26,393,771$20,954,405$42,485,605
90$61,923,262$27,588,960$21,558,272$45,946,135
91$68,138,239$28,839,623$22,179,279$49,728,400
92$74,983,956$30,148,381$22,817,901$53,864,031
93$82,524,648$31,517,981$23,474,629$58,387,840
94$90,831,099$32,951,299$24,149,966$63,338,140
95$99,981,309$34,451,351$24,844,428$68,757,097
96$110,061,232$36,021,296$25,558,547$74,691,127
97$121,165,585$37,664,447$26,292,865$81,191,323
98$133,398,743$39,384,273$27,047,944$88,313,931
99$146,875,721$41,184,409$27,824,357$96,120,872
100$161,723,267$43,068,667$28,622,695$104,680,320