Can I retire at age 75 with 444,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $444,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.5%
1 years$36,665$36,339$36,020$35,709$35,405$34,327
2 years$18,151$17,813$17,485$17,168$16,860$15,782
3 years$11,980$11,641$11,314$11,000$10,696$9,654
4 years$8,896$8,557$8,234$7,925$7,629$6,630
5 years$7,046$6,709$6,390$6,087$5,799$4,846
6 years$5,812$5,478$5,164$4,868$4,589$3,682
7 years$4,932$4,601$4,291$4,002$3,732$2,871
8 years$4,272$3,944$3,639$3,357$3,096$2,281
9 years$3,759$3,434$3,135$2,860$2,607$1,838
10 years$3,348$3,027$2,733$2,465$2,222$1,496
11 years$3,013$2,694$2,406$2,145$1,911$1,227
12 years$2,734$2,418$2,135$1,882$1,656$1,014
13 years$2,498$2,186$1,908$1,661$1,444$842
14 years$2,295$1,987$1,714$1,475$1,266$702
15 years$2,120$1,815$1,548$1,315$1,114$587
16 years$1,967$1,665$1,403$1,178$985$492
17 years$1,832$1,533$1,277$1,058$873$414
18 years$1,712$1,417$1,165$954$776$349
19 years$1,605$1,313$1,067$862$692$294
20 years$1,509$1,220$979$780$618$249
21 years$1,422$1,137$901$708$553$210
22 years$1,343$1,061$830$644$496$178
23 years$1,271$992$766$586$445$151
24 years$1,205$930$709$535$400$128
25 years$1,145$873$657$488$360$109
26 years$1,089$820$609$447$324$92
27 years$1,037$772$565$409$292$78
28 years$990$727$526$375$264$66
29 years$945$686$489$343$238$56
30 years$904$648$456$315$215$48
31 years$865$612$425$290$195$41
32 years$829$580$396$266$176$35
33 years$795$549$370$245$159$29
34 years$763$520$346$225$144$25
35 years$733$493$323$207$131$21
36 years$705$468$302$191$118$18
37 years$679$445$283$176$107$15
38 years$653$423$265$162$97$13
39 years$630$402$248$149$88$11
40 years$607$382$233$138$80$10
41 years$586$364$218$127$73$8
42 years$565$347$205$117$66$7
43 years$546$330$192$108$60$6
44 years$528$315$180$100$54$5
45 years$510$300$169$92$49$4
46 years$493$286$159$85$45$4
47 years$477$273$149$79$41$3
48 years$462$261$140$73$37$3
49 years$447$249$132$67$33$2
50 years$433$238$124$62$30$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 75 starting with $444,000, adding $5,429 every year, while hoping to spend $42,965 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: 62/30/8 Blend
74$444,000$444,000$444,000$444,000
75$494,888$471,356$464,474$524,414
76$499,652$448,738$434,319$522,195
77$503,462$423,572$401,715$514,299
78$506,176$395,687$366,532$504,588
79$507,634$364,904$328,639$492,888
80$507,660$331,032$287,896$479,005
81$506,059$293,870$244,158$462,731
82$502,612$253,205$197,273$443,838
83$497,080$208,814$147,083$422,079
84$489,195$160,458$93,423$397,181
85$478,659$107,887$36,119$368,850
86$465,145$50,836$0$336,762
87$448,290$0$0$302,704
88$427,689$0$0$271,205
89$402,898$0$0$253,605
90$373,423$0$0$232,784
91$338,719$0$0$208,369
92$298,182$0$0$179,946
93$251,145$0$0$147,059
94$196,871$0$0$109,204
95$134,544$0$0$65,822
96$63,264$0$0$16,298
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0