Can I retire at age 75 with 13,800,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $13,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.3%
1 years$1,139,591$1,129,440$1,119,537$1,109,870$1,100,431$1,072,089
2 years$564,154$553,647$543,464$533,591$524,015$495,649
3 years$372,367$361,815$351,657$341,877$332,457$304,955
4 years$276,492$265,972$255,917$246,303$237,111$210,684
5 years$218,982$208,525$198,602$189,185$180,248$154,970
6 years$180,655$170,277$160,500$151,292$142,624$118,519
7 years$153,289$142,998$133,376$124,386$115,992$93,062
8 years$132,774$122,576$113,113$104,344$96,226$74,461
9 years$116,826$106,724$97,425$88,878$81,036$60,417
10 years$104,075$94,072$84,937$76,614$69,047$49,548
11 years$93,649$83,747$74,777$66,677$59,383$40,976
12 years$84,967$75,167$66,363$58,485$51,460$34,112
13 years$77,627$67,929$59,291$51,633$44,874$28,550
14 years$71,341$61,745$53,273$45,834$39,336$23,999
15 years$65,897$56,405$48,098$40,876$34,635$20,246
16 years$61,139$51,751$43,608$36,600$30,610$17,130
17 years$56,945$47,661$39,682$32,885$27,141$14,529
18 years$53,221$44,041$36,224$29,636$24,133$12,349
19 years$49,893$40,816$33,162$26,779$21,510$10,514
20 years$46,902$37,929$30,434$24,253$19,213$8,965
21 years$44,199$35,329$27,994$22,011$17,194$7,654
22 years$41,745$32,978$25,800$20,013$15,412$6,541
23 years$39,507$30,844$23,822$18,226$13,834$5,595
24 years$37,460$28,899$22,031$16,624$12,435$4,789
25 years$35,579$27,120$20,405$15,182$11,189$4,102
26 years$33,845$25,489$18,925$13,881$10,079$3,516
27 years$32,243$23,988$17,574$12,706$9,087$3,014
28 years$30,757$22,603$16,337$11,641$8,199$2,586
29 years$29,377$21,324$15,203$10,675$7,404$2,219
30 years$28,091$20,138$14,161$9,797$6,690$1,904
31 years$26,890$19,037$13,202$8,998$6,048$1,635
32 years$25,767$18,013$12,318$8,269$5,471$1,404
33 years$24,714$17,059$11,501$7,604$4,951$1,206
34 years$23,725$16,168$10,746$6,997$4,483$1,036
35 years$22,794$15,335$10,047$6,441$4,060$890
36 years$21,918$14,555$9,398$5,932$3,679$765
37 years$21,090$13,824$8,797$5,465$3,334$657
38 years$20,308$13,138$8,238$5,038$3,023$565
39 years$19,568$12,493$7,718$4,645$2,741$485
40 years$18,867$11,886$7,234$4,284$2,486$417
41 years$18,201$11,314$6,783$3,953$2,256$359
42 years$17,569$10,775$6,363$3,648$2,047$308
43 years$16,968$10,266$5,971$3,367$1,858$265
44 years$16,396$9,786$5,604$3,109$1,686$228
45 years$15,851$9,332$5,262$2,872$1,531$196
46 years$15,331$8,902$4,943$2,652$1,390$168
47 years$14,835$8,496$4,643$2,451$1,262$145
48 years$14,361$8,110$4,364$2,264$1,146$124
49 years$13,908$7,745$4,101$2,093$1,041$107
50 years$13,474$7,398$3,856$1,934$945$92

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 75 starting with $13,800,000, adding $3,216 every year, while hoping to spend $20,808 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: 57/36/7 Blend
74$13,800,000$13,800,000$13,800,000$13,800,000
75$15,210,917$14,479,517$14,265,617$16,054,417
76$16,740,291$15,166,874$14,721,376$17,309,613
77$18,424,964$15,887,214$15,191,705$18,673,932
78$20,280,754$16,642,131$15,677,071$20,159,885
79$22,325,093$17,433,297$16,177,954$21,779,087
80$24,577,188$18,262,465$16,694,852$23,544,300
81$27,058,208$19,131,473$17,228,276$25,469,552
82$29,791,478$20,042,247$17,778,756$27,570,261
83$32,802,701$20,996,810$18,346,837$29,863,375
84$36,120,203$21,997,279$18,933,082$32,367,527
85$39,775,195$23,045,878$19,538,072$35,103,205
86$43,802,075$24,144,936$20,162,408$38,092,937
87$48,238,746$25,296,897$20,806,707$41,361,500
88$53,126,976$26,504,323$21,471,610$44,936,145
89$58,512,794$27,769,902$22,157,776$48,846,845
90$64,446,922$29,096,449$22,865,884$53,126,575
91$70,985,254$30,486,921$23,596,637$57,811,612
92$78,189,386$31,944,416$24,350,760$62,941,867
93$86,127,193$33,472,183$25,129,000$68,561,258
94$94,873,476$35,073,628$25,932,131$74,718,113
95$104,510,660$36,752,326$26,760,947$81,465,613
96$115,129,580$38,512,022$27,616,271$88,862,290
97$126,830,333$40,356,647$28,498,952$96,972,564
98$139,723,225$42,290,321$29,409,865$105,867,342
99$153,929,812$44,317,365$30,349,914$115,624,677
100$169,584,048$46,442,312$31,320,031$126,330,487