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

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 $2,650,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.6%
1 years$218,835$216,885$214,983$213,127$211,315$209,021
2 years$108,334$106,316$104,361$102,465$100,626$98,317
3 years$71,505$69,479$67,528$65,650$63,841$61,588
4 years$53,094$51,074$49,143$47,297$45,532$43,352
5 years$42,051$40,043$38,137$36,329$34,613$32,512
6 years$34,691$32,698$30,821$29,053$27,388$25,369
7 years$29,436$27,460$25,612$23,886$22,274$20,338
8 years$25,496$23,538$21,721$20,037$18,478$16,626
9 years$22,434$20,494$18,708$17,067$15,561$13,791
10 years$19,985$18,065$16,310$14,712$13,259$11,570
11 years$17,983$16,082$14,359$12,804$11,403$9,794
12 years$16,316$14,434$12,744$11,231$9,882$8,350
13 years$14,907$13,044$11,386$9,915$8,617$7,162
14 years$13,699$11,857$10,230$8,801$7,554$6,173
15 years$12,654$10,831$9,236$7,849$6,651$5,342
16 years$11,740$9,938$8,374$7,028$5,878$4,639
17 years$10,935$9,152$7,620$6,315$5,212$4,040
18 years$10,220$8,457$6,956$5,691$4,634$3,527
19 years$9,581$7,838$6,368$5,142$4,131$3,086
20 years$9,007$7,283$5,844$4,657$3,689$2,706
21 years$8,487$6,784$5,376$4,227$3,302$2,376
22 years$8,016$6,333$4,954$3,843$2,959$2,089
23 years$7,587$5,923$4,575$3,500$2,657$1,839
24 years$7,193$5,549$4,231$3,192$2,388$1,620
25 years$6,832$5,208$3,918$2,915$2,149$1,429
26 years$6,499$4,895$3,634$2,666$1,935$1,261
27 years$6,192$4,606$3,375$2,440$1,745$1,114
28 years$5,906$4,341$3,137$2,235$1,575$985
29 years$5,641$4,095$2,919$2,050$1,422$871
30 years$5,394$3,867$2,719$1,881$1,285$771
31 years$5,164$3,656$2,535$1,728$1,161$682
32 years$4,948$3,459$2,365$1,588$1,051$604
33 years$4,746$3,276$2,209$1,460$951$535
34 years$4,556$3,105$2,064$1,344$861$474
35 years$4,377$2,945$1,929$1,237$780$420
36 years$4,209$2,795$1,805$1,139$706$373
37 years$4,050$2,655$1,689$1,050$640$330
38 years$3,900$2,523$1,582$967$580$293
39 years$3,758$2,399$1,482$892$526$260
40 years$3,623$2,282$1,389$823$477$231
41 years$3,495$2,173$1,303$759$433$205
42 years$3,374$2,069$1,222$701$393$182
43 years$3,258$1,971$1,147$647$357$161
44 years$3,149$1,879$1,076$597$324$143
45 years$3,044$1,792$1,011$551$294$127
46 years$2,944$1,710$949$509$267$113
47 years$2,849$1,631$892$471$242$100
48 years$2,758$1,557$838$435$220$89
49 years$2,671$1,487$788$402$200$79
50 years$2,587$1,421$740$371$182$70

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 $4,429 every year, while hoping to spend $50,766 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: 58/20/22 Blend
74$2,650,000$2,650,000$2,650,000$2,650,000
75$2,924,869$2,784,419$2,743,344$3,077,035
76$3,169,190$2,866,840$2,781,231$3,263,574
77$3,436,732$2,951,599$2,818,686$3,461,005
78$3,729,807$3,038,757$2,855,641$3,675,149
79$4,050,966$3,128,374$2,892,023$3,907,633
80$4,403,016$3,220,516$2,927,757$4,160,247
81$4,789,048$3,315,246$2,962,762$4,434,965
82$5,212,469$3,412,631$2,996,953$4,733,955
83$5,677,030$3,512,739$3,030,239$5,059,611
84$6,186,862$3,615,638$3,062,527$5,414,566
85$6,746,516$3,721,398$3,093,716$5,801,721
86$7,361,005$3,830,091$3,123,700$6,224,271
87$8,035,852$3,941,790$3,152,368$6,685,736
88$8,777,140$4,056,569$3,179,604$7,189,994
89$9,591,571$4,174,504$3,205,284$7,741,315
90$10,486,528$4,295,671$3,229,277$8,344,406
91$11,470,144$4,420,149$3,251,448$9,004,451
92$12,551,379$4,548,016$3,271,652$9,727,161
93$13,740,105$4,679,355$3,289,738$10,518,827
94$15,047,199$4,814,247$3,305,547$11,386,384
95$16,484,643$4,952,774$3,318,913$12,337,470
96$18,065,639$5,095,023$3,329,659$13,380,501
97$19,804,733$5,241,078$3,337,601$14,524,750
98$21,717,951$5,391,026$3,342,546$15,780,434
99$23,822,951$5,544,955$3,344,290$17,158,814
100$26,139,189$5,702,954$3,342,620$18,672,294