Can I retire at age 75 with 17,800,000?

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 $17,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.7%
1 years$1,469,907$1,456,814$1,444,040$1,431,572$1,419,397$1,375,062
2 years$727,677$714,125$700,990$688,256$675,903$631,632
3 years$480,299$466,688$453,587$440,972$428,821$386,001
4 years$356,634$343,065$330,095$317,696$305,839$264,799
5 years$282,455$268,967$256,167$244,021$232,494$193,344
6 years$233,018$219,632$207,021$195,145$183,964$146,739
7 years$197,720$184,447$172,036$160,440$149,612$114,308
8 years$171,259$158,105$145,900$134,589$124,118$90,711
9 years$150,688$137,659$125,664$114,640$104,525$72,980
10 years$134,242$121,339$109,556$98,821$89,061$59,329
11 years$120,794$108,021$96,452$86,004$76,595$48,625
12 years$109,596$96,954$85,598$75,437$66,376$40,108
13 years$100,128$87,618$76,477$66,599$57,881$33,252
14 years$92,019$79,643$68,715$59,119$50,738$27,683
15 years$84,998$72,755$62,040$52,724$44,674$23,124
16 years$78,861$66,751$56,248$47,209$39,483$19,370
17 years$73,451$61,475$51,184$42,417$35,008$16,262
18 years$68,648$56,806$46,724$38,226$31,128$13,679
19 years$64,355$52,647$42,774$34,540$27,745$11,525
20 years$60,497$48,922$39,256$31,283$24,782$9,722
21 years$57,010$45,569$36,108$28,391$22,177$8,211
22 years$53,845$42,537$33,279$25,814$19,879$6,941
23 years$50,959$39,784$30,727$23,510$17,844$5,872
24 years$48,317$37,275$28,417$21,442$16,039$4,971
25 years$45,891$34,981$26,320$19,582$14,433$4,210
26 years$43,655$32,876$24,411$17,905$13,000$3,568
27 years$41,588$30,941$22,667$16,389$11,721$3,025
28 years$39,672$29,155$21,072$15,016$10,576$2,565
29 years$37,892$27,505$19,610$13,770$9,550$2,176
30 years$36,233$25,975$18,266$12,637$8,629$1,846
31 years$34,684$24,555$17,028$11,606$7,801$1,567
32 years$33,235$23,234$15,888$10,666$7,057$1,330
33 years$31,877$22,003$14,835$9,809$6,386$1,129
34 years$30,602$20,854$13,861$9,025$5,782$959
35 years$29,401$19,780$12,959$8,308$5,237$814
36 years$28,271$18,774$12,122$7,651$4,745$691
37 years$27,203$17,831$11,346$7,050$4,301$587
38 years$26,195$16,946$10,625$6,498$3,899$499
39 years$25,240$16,114$9,955$5,991$3,536$423
40 years$24,335$15,331$9,331$5,526$3,207$360
41 years$23,477$14,593$8,749$5,099$2,909$305
42 years$22,662$13,898$8,207$4,705$2,640$260
43 years$21,887$13,242$7,701$4,344$2,396$220
44 years$21,149$12,623$7,229$4,011$2,175$187
45 years$20,446$12,037$6,788$3,704$1,974$159
46 years$19,775$11,483$6,375$3,421$1,793$135
47 years$19,135$10,958$5,989$3,161$1,628$115
48 years$18,524$10,461$5,628$2,921$1,478$98
49 years$17,939$9,990$5,290$2,699$1,343$83
50 years$17,379$9,542$4,974$2,495$1,220$70

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 75 starting with $17,800,000, adding $5,684 every year, while hoping to spend $39,162 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: 49/22/29 Blend
74$17,800,000$17,800,000$17,800,000$17,800,000
75$19,621,463$18,678,063$18,402,163$20,420,712
76$21,581,184$19,551,620$18,976,967$21,856,149
77$23,739,484$20,466,669$19,569,715$23,410,511
78$26,116,577$21,425,201$20,180,966$25,098,600
79$28,734,737$22,429,305$20,811,298$26,933,099
80$31,618,509$23,481,169$21,461,304$28,927,946
81$34,794,939$24,583,089$22,131,601$31,098,458
82$38,293,833$25,737,470$22,822,819$33,461,476
83$42,148,033$26,946,835$23,535,612$36,035,510
84$46,393,730$28,213,828$24,270,653$38,840,916
85$51,070,806$29,541,222$25,028,636$41,900,077
86$56,223,209$30,931,922$25,810,276$45,237,609
87$61,899,368$32,388,977$26,616,311$48,880,587
88$68,152,648$33,915,582$27,447,503$52,858,794
89$75,041,858$35,515,086$28,304,634$57,204,992
90$82,631,804$37,191,001$29,188,516$61,955,230
91$90,993,898$38,947,010$30,099,981$67,149,168
92$100,206,835$40,786,973$31,039,890$72,830,449
93$110,357,336$42,714,939$32,009,130$79,047,100
94$121,540,965$44,735,151$33,008,616$85,851,978
95$133,863,030$46,852,060$34,039,291$93,303,257
96$147,439,579$49,070,331$35,102,128$101,464,970
97$162,398,496$51,394,857$36,198,129$110,407,599
98$178,880,704$53,830,767$37,328,328$120,208,737
99$197,041,502$56,383,440$38,493,793$130,953,800
100$217,052,022$59,058,516$39,695,622$142,736,830