Can I retire at age 75 with 2,600,000?

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 $2,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.1%
1 years$214,706$212,793$210,927$209,106$207,328$203,809
2 years$106,290$104,310$102,392$100,532$98,727$95,193
3 years$70,156$68,168$66,254$64,412$62,637$59,197
4 years$52,093$50,111$48,216$46,405$44,673$41,355
5 years$41,257$39,287$37,418$35,643$33,960$30,772
6 years$34,036$32,081$30,239$28,504$26,871$23,818
7 years$28,880$26,942$25,129$23,435$21,853$18,935
8 years$25,015$23,094$21,311$19,659$18,130$15,346
9 years$22,011$20,107$18,355$16,745$15,268$12,617
10 years$19,608$17,724$16,003$14,434$13,009$10,488
11 years$17,644$15,778$14,088$12,562$11,188$8,796
12 years$16,008$14,162$12,503$11,019$9,695$7,428
13 years$14,625$12,798$11,171$9,728$8,455$6,308
14 years$13,441$11,633$10,037$8,635$7,411$5,383
15 years$12,415$10,627$9,062$7,701$6,525$4,611
16 years$11,519$9,750$8,216$6,896$5,767$3,963
17 years$10,729$8,980$7,476$6,196$5,114$3,415
18 years$10,027$8,298$6,825$5,584$4,547$2,949
19 years$9,400$7,690$6,248$5,045$4,053$2,553
20 years$8,837$7,146$5,734$4,569$3,620$2,213
21 years$8,327$6,656$5,274$4,147$3,239$1,921
22 years$7,865$6,213$4,861$3,771$2,904$1,670
23 years$7,443$5,811$4,488$3,434$2,606$1,453
24 years$7,058$5,445$4,151$3,132$2,343$1,266
25 years$6,703$5,110$3,845$2,860$2,108$1,103
26 years$6,377$4,802$3,566$2,615$1,899$962
27 years$6,075$4,519$3,311$2,394$1,712$840
28 years$5,795$4,259$3,078$2,193$1,545$733
29 years$5,535$4,018$2,864$2,011$1,395$641
30 years$5,292$3,794$2,668$1,846$1,260$560
31 years$5,066$3,587$2,487$1,695$1,140$490
32 years$4,855$3,394$2,321$1,558$1,031$428
33 years$4,656$3,214$2,167$1,433$933$375
34 years$4,470$3,046$2,025$1,318$845$328
35 years$4,295$2,889$1,893$1,213$765$287
36 years$4,129$2,742$1,771$1,118$693$251
37 years$3,974$2,604$1,657$1,030$628$220
38 years$3,826$2,475$1,552$949$570$193
39 years$3,687$2,354$1,454$875$516$169
40 years$3,555$2,239$1,363$807$468$148
41 years$3,429$2,132$1,278$745$425$129
42 years$3,310$2,030$1,199$687$386$113
43 years$3,197$1,934$1,125$634$350$99
44 years$3,089$1,844$1,056$586$318$87
45 years$2,986$1,758$991$541$288$76
46 years$2,889$1,677$931$500$262$67
47 years$2,795$1,601$875$462$238$58
48 years$2,706$1,528$822$427$216$51
49 years$2,620$1,459$773$394$196$45
50 years$2,539$1,394$726$364$178$39

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 75 starting with $2,600,000, adding $4,820 every year, while hoping to spend $30,674 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: 52/29/19 Blend
74$2,600,000$2,600,000$2,600,000$2,600,000
75$2,870,172$2,732,372$2,692,072$3,004,201
76$3,130,292$2,833,621$2,749,619$3,198,130
77$3,415,917$2,938,804$2,808,067$3,405,355
78$3,729,615$3,048,080$2,867,411$3,630,091
79$4,074,217$3,161,616$2,927,650$3,874,010
80$4,452,840$3,279,588$2,988,779$4,138,950
81$4,868,918$3,402,176$3,050,792$4,426,935
82$5,326,236$3,529,571$3,113,682$4,740,189
83$5,828,961$3,661,970$3,177,440$5,081,159
84$6,381,688$3,799,579$3,242,056$5,452,538
85$6,989,475$3,942,613$3,307,520$5,857,288
86$7,657,897$4,091,297$3,373,818$6,298,671
87$8,393,096$4,245,864$3,440,934$6,780,273
88$9,201,840$4,406,559$3,508,854$7,306,044
89$10,091,584$4,573,637$3,577,556$7,880,330
90$11,070,543$4,747,363$3,647,022$8,507,916
91$12,147,769$4,928,014$3,717,228$9,194,068
92$13,333,235$5,115,881$3,788,149$9,944,585
93$14,637,930$5,311,264$3,859,757$10,765,851
94$16,073,962$5,514,479$3,932,022$11,664,893
95$17,654,673$5,725,855$4,004,911$12,649,452
96$19,394,763$5,945,735$4,078,389$13,728,047
97$21,310,431$6,174,478$4,152,417$14,910,065
98$23,419,524$6,412,457$4,226,953$16,205,837
99$25,741,712$6,660,063$4,301,951$17,626,744
100$28,298,664$6,917,704$4,377,365$19,185,320