Can I retire at age 75 with 2,650,000?

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 $2,650,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.1%
1 years$218,835$216,885$214,983$213,127$211,315$210,336
2 years$108,334$106,316$104,361$102,465$100,626$99,638
3 years$71,505$69,479$67,528$65,650$63,841$62,875
4 years$53,094$51,074$49,143$47,297$45,532$44,594
5 years$42,051$40,043$38,137$36,329$34,613$33,707
6 years$34,691$32,698$30,821$29,053$27,388$26,514
7 years$29,436$27,460$25,612$23,886$22,274$21,434
8 years$25,496$23,538$21,721$20,037$18,478$17,671
9 years$22,434$20,494$18,708$17,067$15,561$14,787
10 years$19,985$18,065$16,310$14,712$13,259$12,518
11 years$17,983$16,082$14,359$12,804$11,403$10,694
12 years$16,316$14,434$12,744$11,231$9,882$9,205
13 years$14,907$13,044$11,386$9,915$8,617$7,971
14 years$13,699$11,857$10,230$8,801$7,554$6,938
15 years$12,654$10,831$9,236$7,849$6,651$6,065
16 years$11,740$9,938$8,374$7,028$5,878$5,321
17 years$10,935$9,152$7,620$6,315$5,212$4,683
18 years$10,220$8,457$6,956$5,691$4,634$4,132
19 years$9,581$7,838$6,368$5,142$4,131$3,654
20 years$9,007$7,283$5,844$4,657$3,689$3,239
21 years$8,487$6,784$5,376$4,227$3,302$2,875
22 years$8,016$6,333$4,954$3,843$2,959$2,557
23 years$7,587$5,923$4,575$3,500$2,657$2,276
24 years$7,193$5,549$4,231$3,192$2,388$2,029
25 years$6,832$5,208$3,918$2,915$2,149$1,811
26 years$6,499$4,895$3,634$2,666$1,935$1,617
27 years$6,192$4,606$3,375$2,440$1,745$1,446
28 years$5,906$4,341$3,137$2,235$1,575$1,293
29 years$5,641$4,095$2,919$2,050$1,422$1,158
30 years$5,394$3,867$2,719$1,881$1,285$1,037
31 years$5,164$3,656$2,535$1,728$1,161$929
32 years$4,948$3,459$2,365$1,588$1,051$833
33 years$4,746$3,276$2,209$1,460$951$747
34 years$4,556$3,105$2,064$1,344$861$670
35 years$4,377$2,945$1,929$1,237$780$602
36 years$4,209$2,795$1,805$1,139$706$540
37 years$4,050$2,655$1,689$1,050$640$485
38 years$3,900$2,523$1,582$967$580$436
39 years$3,758$2,399$1,482$892$526$391
40 years$3,623$2,282$1,389$823$477$352
41 years$3,495$2,173$1,303$759$433$316
42 years$3,374$2,069$1,222$701$393$284
43 years$3,258$1,971$1,147$647$357$255
44 years$3,149$1,879$1,076$597$324$230
45 years$3,044$1,792$1,011$551$294$207
46 years$2,944$1,710$949$509$267$186
47 years$2,849$1,631$892$471$242$167
48 years$2,758$1,557$838$435$220$150
49 years$2,671$1,487$788$402$200$135
50 years$2,587$1,421$740$371$182$122

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 75 starting with $2,650,000, adding $3,112 every year, while hoping to spend $49,663 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: 50/38/12 Blend
74$2,650,000$2,650,000$2,650,000$2,650,000
75$2,923,510$2,783,060$2,741,985$3,060,062
76$3,168,867$2,866,589$2,781,000$3,237,516
77$3,437,586$2,952,546$2,819,658$3,424,762
78$3,731,997$3,040,999$2,857,895$3,627,110
79$4,054,667$3,132,014$2,895,641$3,845,993
80$4,408,423$3,225,662$2,932,824$4,082,989
81$4,796,378$3,322,015$2,969,369$4,339,831
82$5,221,960$3,421,146$3,005,195$4,618,428
83$5,688,947$3,523,129$3,040,216$4,920,881
84$6,201,498$3,628,041$3,074,342$5,249,502
85$6,764,196$3,735,960$3,107,477$5,606,834
86$7,382,089$3,846,967$3,139,523$5,995,679
87$8,060,738$3,961,144$3,170,372$6,419,121
88$8,806,267$4,078,574$3,199,914$6,880,553
89$9,625,426$4,199,343$3,228,030$7,383,716
90$10,525,647$4,323,539$3,254,597$7,932,723
91$11,515,122$4,451,251$3,279,485$8,532,108
92$12,602,872$4,582,571$3,302,556$9,186,861
93$13,798,839$4,717,591$3,323,666$9,902,480
94$15,113,975$4,856,407$3,342,662$10,685,019
95$16,560,346$4,999,116$3,359,387$11,541,144
96$18,151,246$5,145,817$3,373,671$12,478,200
97$19,901,322$5,296,612$3,385,339$13,504,277
98$21,826,714$5,451,603$3,394,205$14,628,285
99$23,945,203$5,610,896$3,400,074$15,860,040
100$26,276,381$5,774,597$3,402,744$17,210,355