Can I retire at age 75 with 433,000?

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 $433,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.3%
1 years$35,757$35,438$35,127$34,824$34,528$33,639
2 years$17,701$17,372$17,052$16,742$16,442$15,552
3 years$11,684$11,353$11,034$10,727$10,431$9,569
4 years$8,675$8,345$8,030$7,728$7,440$6,611
5 years$6,871$6,543$6,231$5,936$5,656$4,862
6 years$5,668$5,343$5,036$4,747$4,475$3,719
7 years$4,810$4,487$4,185$3,903$3,639$2,920
8 years$4,166$3,846$3,549$3,274$3,019$2,336
9 years$3,666$3,349$3,057$2,789$2,543$1,896
10 years$3,266$2,952$2,665$2,404$2,166$1,555
11 years$2,938$2,628$2,346$2,092$1,863$1,286
12 years$2,666$2,358$2,082$1,835$1,615$1,070
13 years$2,436$2,131$1,860$1,620$1,408$896
14 years$2,238$1,937$1,672$1,438$1,234$753
15 years$2,068$1,770$1,509$1,283$1,087$635
16 years$1,918$1,624$1,368$1,148$960$537
17 years$1,787$1,495$1,245$1,032$852$456
18 years$1,670$1,382$1,137$930$757$387
19 years$1,565$1,281$1,041$840$675$330
20 years$1,472$1,190$955$761$603$281
21 years$1,387$1,109$878$691$539$240
22 years$1,310$1,035$810$628$484$205
23 years$1,240$968$747$572$434$176
24 years$1,175$907$691$522$390$150
25 years$1,116$851$640$476$351$129
26 years$1,062$800$594$436$316$110
27 years$1,012$753$551$399$285$95
28 years$965$709$513$365$257$81
29 years$922$669$477$335$232$70
30 years$881$632$444$307$210$60
31 years$844$597$414$282$190$51
32 years$808$565$386$259$172$44
33 years$775$535$361$239$155$38
34 years$744$507$337$220$141$33
35 years$715$481$315$202$127$28
36 years$688$457$295$186$115$24
37 years$662$434$276$171$105$21
38 years$637$412$258$158$95$18
39 years$614$392$242$146$86$15
40 years$592$373$227$134$78$13
41 years$571$355$213$124$71$11
42 years$551$338$200$114$64$10
43 years$532$322$187$106$58$8
44 years$514$307$176$98$53$7
45 years$497$293$165$90$48$6
46 years$481$279$155$83$44$5
47 years$465$267$146$77$40$5
48 years$451$254$137$71$36$4
49 years$436$243$129$66$33$3
50 years$423$232$121$61$30$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 75 starting with $433,000, adding $4,872 every year, while hoping to spend $31,694 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: 51/25/24 Blend
74$433,000$433,000$433,000$433,000
75$482,191$459,242$452,531$503,320
76$497,653$448,023$433,969$507,265
77$513,629$435,192$413,722$507,934
78$530,139$420,636$391,702$508,013
79$547,203$404,237$367,813$507,459
80$564,841$385,868$341,959$506,226
81$583,076$365,397$314,036$504,267
82$601,931$342,683$283,937$501,531
83$621,429$317,575$251,550$497,964
84$641,597$289,918$216,759$493,511
85$662,460$259,544$179,440$488,113
86$684,047$226,278$139,467$481,708
87$706,387$189,933$96,707$474,230
88$729,511$150,313$51,020$465,612
89$753,454$107,210$2,261$455,782
90$778,248$60,406$0$444,664
91$803,932$9,668$0$444,925
92$830,544$0$0$445,183
93$858,126$0$0$457,260
94$886,721$0$0$472,543
95$916,377$0$0$488,398
96$947,143$0$0$504,850
97$979,071$0$0$521,929
98$1,012,219$0$0$539,667
99$1,046,647$0$0$558,095
100$1,082,418$0$0$577,250