Can I retire at age 75 with 2,700,000?

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 $2,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.3%
1 years$222,963$220,977$219,040$217,149$215,302$213,231
2 years$110,378$108,322$106,330$104,398$102,525$100,438
3 years$72,854$70,790$68,803$66,889$65,046$63,009
4 years$54,096$52,038$50,071$48,190$46,391$44,420
5 years$42,844$40,798$38,857$37,014$35,266$33,365
6 years$35,345$33,315$31,402$29,601$27,905$26,077
7 years$29,991$27,978$26,095$24,336$22,694$20,941
8 years$25,977$23,982$22,131$20,415$18,827$17,147
9 years$22,857$20,881$19,061$17,389$15,855$14,249
10 years$20,362$18,405$16,618$14,990$13,509$11,976
11 years$18,323$16,385$14,630$13,045$11,618$10,156
12 years$16,624$14,707$12,984$11,443$10,068$8,676
13 years$15,188$13,290$11,600$10,102$8,780$7,455
14 years$13,958$12,081$10,423$8,968$7,696$6,438
15 years$12,893$11,036$9,411$7,997$6,776$5,583
16 years$11,962$10,125$8,532$7,161$5,989$4,858
17 years$11,141$9,325$7,764$6,434$5,310$4,240
18 years$10,413$8,617$7,087$5,798$4,722$3,710
19 years$9,762$7,986$6,488$5,239$4,208$3,253
20 years$9,176$7,421$5,954$4,745$3,759$2,858
21 years$8,648$6,912$5,477$4,307$3,364$2,515
22 years$8,167$6,452$5,048$3,916$3,015$2,216
23 years$7,730$6,035$4,661$3,566$2,707$1,955
24 years$7,329$5,654$4,310$3,252$2,433$1,727
25 years$6,961$5,306$3,992$2,970$2,189$1,527
26 years$6,622$4,987$3,703$2,716$1,972$1,351
27 years$6,308$4,693$3,438$2,486$1,778$1,196
28 years$6,018$4,422$3,196$2,278$1,604$1,060
29 years$5,748$4,172$2,974$2,089$1,449$940
30 years$5,496$3,940$2,771$1,917$1,309$834
31 years$5,261$3,725$2,583$1,760$1,183$740
32 years$5,041$3,524$2,410$1,618$1,070$657
33 years$4,835$3,338$2,250$1,488$969$583
34 years$4,642$3,163$2,102$1,369$877$518
35 years$4,460$3,000$1,966$1,260$794$460
36 years$4,288$2,848$1,839$1,161$720$409
37 years$4,126$2,705$1,721$1,069$652$364
38 years$3,973$2,570$1,612$986$591$323
39 years$3,829$2,444$1,510$909$536$288
40 years$3,691$2,325$1,415$838$486$256
41 years$3,561$2,214$1,327$773$441$227
42 years$3,437$2,108$1,245$714$400$202
43 years$3,320$2,009$1,168$659$363$180
44 years$3,208$1,915$1,097$608$330$160
45 years$3,101$1,826$1,030$562$299$143
46 years$3,000$1,742$967$519$272$127
47 years$2,903$1,662$909$479$247$113
48 years$2,810$1,587$854$443$224$101
49 years$2,721$1,515$802$409$204$89
50 years$2,636$1,447$754$378$185$80

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 75 starting with $2,700,000, adding $2,512 every year, while hoping to spend $51,328 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: 27/46/27 Blend
74$2,700,000$2,700,000$2,700,000$2,700,000
75$2,977,991$2,834,891$2,793,041$3,033,251
76$3,227,134$2,919,188$2,831,995$3,162,310
77$3,499,968$3,005,896$2,870,534$3,296,184
78$3,798,858$3,095,077$2,908,590$3,438,874
79$4,126,403$3,186,798$2,946,090$3,591,163
80$4,485,471$3,281,125$2,982,958$3,753,916
81$4,879,216$3,378,127$3,019,114$3,928,083
82$5,311,113$3,477,873$3,054,472$4,114,706
83$5,784,993$3,580,435$3,088,943$4,314,936
84$6,305,070$3,685,884$3,122,430$4,530,034
85$6,875,991$3,794,296$3,154,835$4,761,392
86$7,502,871$3,905,746$3,186,052$5,010,538
87$8,191,348$4,020,311$3,215,968$5,279,156
88$8,947,629$4,138,070$3,244,467$5,569,099
89$9,778,555$4,259,103$3,271,424$5,882,406
90$10,691,661$4,383,493$3,296,710$6,221,323
91$11,695,248$4,511,322$3,320,188$6,588,321
92$12,798,462$4,642,675$3,341,712$6,986,122
93$14,011,377$4,777,639$3,361,132$7,417,725
94$15,345,096$4,916,301$3,378,288$7,886,429
95$16,811,848$5,058,751$3,393,013$8,395,871
96$18,425,107$5,205,081$3,405,129$8,950,054
97$20,199,719$5,355,382$3,414,453$9,553,389
98$22,152,043$5,509,747$3,420,789$10,210,735
99$24,300,100$5,668,274$3,423,934$10,927,442
100$26,663,748$5,831,057$3,423,674$11,709,406