Can I retire at age 75 with 3,900,000?

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 $3,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.4%
1 years$322,058$319,190$316,391$313,659$310,991$301,641
2 years$159,435$156,466$153,588$150,798$148,091$138,749
3 years$105,234$102,252$99,381$96,617$93,955$84,915
4 years$78,139$75,166$72,324$69,607$67,010$58,340
5 years$61,886$58,931$56,127$53,465$50,940$42,665
6 years$51,055$48,122$45,359$42,757$40,307$32,434
7 years$43,321$40,412$37,693$35,153$32,780$25,309
8 years$37,523$34,641$31,967$29,489$27,194$20,120
9 years$33,016$30,161$27,533$25,118$22,902$16,216
10 years$29,412$26,586$24,004$21,652$19,513$13,208
11 years$26,466$23,668$21,133$18,843$16,782$10,846
12 years$24,013$21,243$18,755$16,528$14,543$8,964
13 years$21,938$19,197$16,756$14,592$12,682$7,447
14 years$20,161$17,450$15,055$12,953$11,117$6,213
15 years$18,623$15,941$13,593$11,552$9,788$5,201
16 years$17,278$14,625$12,324$10,343$8,651$4,366
17 years$16,093$13,469$11,214$9,294$7,670$3,673
18 years$15,041$12,446$10,237$8,375$6,820$3,097
19 years$14,100$11,535$9,372$7,568$6,079$2,615
20 years$13,255$10,719$8,601$6,854$5,430$2,211
21 years$12,491$9,984$7,911$6,221$4,859$1,872
22 years$11,797$9,320$7,291$5,656$4,355$1,586
23 years$11,165$8,717$6,732$5,151$3,910$1,345
24 years$10,586$8,167$6,226$4,698$3,514$1,141
25 years$10,055$7,664$5,767$4,290$3,162$969
26 years$9,565$7,203$5,348$3,923$2,848$823
27 years$9,112$6,779$4,966$3,591$2,568$699
28 years$8,692$6,388$4,617$3,290$2,317$595
29 years$8,302$6,026$4,296$3,017$2,092$506
30 years$7,939$5,691$4,002$2,769$1,891$430
31 years$7,599$5,380$3,731$2,543$1,709$366
32 years$7,282$5,091$3,481$2,337$1,546$311
33 years$6,984$4,821$3,250$2,149$1,399$265
34 years$6,705$4,569$3,037$1,977$1,267$226
35 years$6,442$4,334$2,839$1,820$1,147$192
36 years$6,194$4,113$2,656$1,676$1,040$163
37 years$5,960$3,907$2,486$1,545$942$139
38 years$5,739$3,713$2,328$1,424$854$118
39 years$5,530$3,531$2,181$1,313$775$101
40 years$5,332$3,359$2,044$1,211$703$86
41 years$5,144$3,197$1,917$1,117$637$73
42 years$4,965$3,045$1,798$1,031$578$62
43 years$4,795$2,901$1,687$952$525$53
44 years$4,634$2,766$1,584$879$477$45
45 years$4,480$2,637$1,487$812$433$38
46 years$4,333$2,516$1,397$750$393$33
47 years$4,193$2,401$1,312$693$357$28
48 years$4,059$2,292$1,233$640$324$24
49 years$3,930$2,189$1,159$591$294$20
50 years$3,808$2,091$1,090$547$267$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 75 starting with $3,900,000, adding $6,678 every year, while hoping to spend $59,978 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: 54/22/24 Blend
74$3,900,000$3,900,000$3,900,000$3,900,000
75$4,304,688$4,097,988$4,037,538$4,508,330
76$4,679,950$4,234,974$4,108,980$4,786,199
77$5,091,479$4,376,661$4,180,804$5,081,754
78$5,542,910$4,523,218$4,252,961$5,402,265
79$6,038,248$4,674,817$4,325,397$5,750,142
80$6,581,905$4,831,638$4,398,053$6,128,037
81$7,178,738$4,993,867$4,470,867$6,538,869
82$7,834,101$5,161,699$4,543,773$6,985,852
83$8,553,890$5,335,332$4,616,700$7,472,523
84$9,344,600$5,514,977$4,689,572$8,002,777
85$10,213,386$5,700,847$4,762,310$8,580,901
86$11,168,131$5,893,168$4,834,826$9,211,618
87$12,217,518$6,092,171$4,907,031$9,900,125
88$13,371,116$6,298,098$4,978,827$10,652,149
89$14,639,463$6,511,199$5,050,112$11,473,994
90$16,034,174$6,731,734$5,120,776$12,372,604
91$17,568,043$6,959,971$5,190,705$13,355,625
92$19,255,164$7,196,191$5,259,775$14,431,481
93$21,111,071$7,440,684$5,327,857$15,609,449
94$23,152,874$7,693,751$5,394,814$16,899,748
95$25,399,428$7,955,706$5,460,501$18,313,633
96$27,871,507$8,226,873$5,524,765$19,863,506
97$30,591,999$8,507,589$5,587,444$21,563,023
98$33,586,127$8,798,204$5,648,367$23,427,233
99$36,881,678$9,099,083$5,707,353$25,472,712
100$40,509,274$9,410,602$5,764,214$27,717,720