Can I retire at age 75 with 2,670,000?

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 $2,670,000?

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 years$220,486$218,522$216,606$214,736$212,910$212,012
2 years$109,152$107,119$105,149$103,238$101,385$100,480
3 years$72,045$70,003$68,038$66,146$64,323$63,437
4 years$53,495$51,460$49,514$47,654$45,876$45,016
5 years$42,368$40,345$38,425$36,603$34,874$34,043
6 years$34,953$32,945$31,053$29,272$27,595$26,793
7 years$29,658$27,667$25,805$24,066$22,442$21,671
8 years$25,689$23,716$21,885$20,188$18,618$17,877
9 years$22,603$20,649$18,850$17,196$15,679$14,968
10 years$20,136$18,201$16,433$14,823$13,359$12,679
11 years$18,119$16,203$14,468$12,901$11,489$10,838
12 years$16,439$14,543$12,840$11,316$9,956$9,334
13 years$15,019$13,143$11,471$9,990$8,682$8,088
14 years$13,803$11,946$10,307$8,868$7,611$7,045
15 years$12,750$10,913$9,306$7,909$6,701$6,162
16 years$11,829$10,013$8,437$7,081$5,922$5,410
17 years$11,018$9,221$7,678$6,362$5,251$4,764
18 years$10,297$8,521$7,009$5,734$4,669$4,207
19 years$9,653$7,897$6,416$5,181$4,162$3,723
20 years$9,074$7,338$5,888$4,692$3,717$3,302
21 years$8,552$6,835$5,416$4,259$3,327$2,934
22 years$8,077$6,381$4,992$3,872$2,982$2,611
23 years$7,644$5,968$4,609$3,526$2,677$2,326
24 years$7,248$5,591$4,263$3,216$2,406$2,075
25 years$6,884$5,247$3,948$2,937$2,165$1,853
26 years$6,548$4,931$3,662$2,686$1,950$1,656
27 years$6,238$4,641$3,400$2,458$1,758$1,482
28 years$5,951$4,373$3,161$2,252$1,586$1,327
29 years$5,684$4,126$2,941$2,065$1,432$1,188
30 years$5,435$3,896$2,740$1,896$1,294$1,065
31 years$5,203$3,683$2,554$1,741$1,170$955
32 years$4,985$3,485$2,383$1,600$1,059$857
33 years$4,782$3,300$2,225$1,471$958$769
34 years$4,590$3,128$2,079$1,354$867$691
35 years$4,410$2,967$1,944$1,246$786$621
36 years$4,241$2,816$1,818$1,148$712$558
37 years$4,080$2,675$1,702$1,057$645$501
38 years$3,929$2,542$1,594$975$585$451
39 years$3,786$2,417$1,493$899$530$405
40 years$3,650$2,300$1,400$829$481$364
41 years$3,522$2,189$1,312$765$436$328
42 years$3,399$2,085$1,231$706$396$295
43 years$3,283$1,986$1,155$652$359$265
44 years$3,172$1,893$1,084$602$326$239
45 years$3,067$1,806$1,018$556$296$215
46 years$2,966$1,722$956$513$269$193
47 years$2,870$1,644$898$474$244$174
48 years$2,779$1,569$844$438$222$157
49 years$2,691$1,498$794$405$201$141
50 years$2,607$1,431$746$374$183$127

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 75 starting with $2,670,000, adding $3,086 every year, while hoping to spend $52,736 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: 65/24/11 Blend
74$2,670,000$2,670,000$2,670,000$2,670,000
75$2,945,523$2,804,013$2,762,628$3,129,626
76$3,189,856$2,885,299$2,799,066$3,334,095
77$3,457,343$2,968,801$2,834,956$3,550,943
78$3,750,291$3,054,571$2,870,226$3,786,534
79$4,071,238$3,142,663$2,904,796$4,042,691
80$4,422,983$3,233,131$2,938,585$4,321,421
81$4,808,604$3,326,032$2,971,505$4,624,937
82$5,231,495$3,421,421$3,003,464$4,955,671
83$5,695,392$3,519,355$3,034,364$5,316,303
84$6,204,411$3,619,892$3,064,104$5,709,784
85$6,763,084$3,723,089$3,092,574$6,139,365
86$7,376,405$3,829,007$3,119,662$6,608,623
87$8,049,874$3,937,705$3,145,247$7,121,501
88$8,789,552$4,049,243$3,169,203$7,682,339
89$9,602,112$4,163,681$3,191,397$8,295,920
90$10,494,908$4,281,082$3,211,690$8,967,509
91$11,476,041$4,401,508$3,229,934$9,702,910
92$12,554,434$4,525,019$3,245,974$10,508,513
93$13,739,921$4,651,680$3,259,649$11,391,357
94$15,043,333$4,781,552$3,270,787$12,359,199
95$16,476,604$4,914,699$3,279,210$13,420,582
96$18,052,883$5,051,184$3,284,728$14,584,919
97$19,786,655$5,191,071$3,287,145$15,862,582
98$21,693,883$5,334,422$3,286,252$17,264,994
99$23,792,150$5,481,300$3,281,833$18,804,745
100$26,100,834$5,631,768$3,273,659$20,495,702