Can I retire at age 75 with 446,000?

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 $446,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.1%
1 years$36,830$36,502$36,182$35,870$35,565$35,252
2 years$18,233$17,893$17,564$17,245$16,936$16,620
3 years$12,034$11,693$11,365$11,049$10,745$10,437
4 years$8,936$8,596$8,271$7,960$7,663$7,365
5 years$7,077$6,739$6,419$6,114$5,825$5,538
6 years$5,839$5,503$5,187$4,890$4,609$4,333
7 years$4,954$4,622$4,311$4,020$3,749$3,483
8 years$4,291$3,962$3,656$3,372$3,110$2,856
9 years$3,776$3,449$3,149$2,872$2,619$2,376
10 years$3,364$3,040$2,745$2,476$2,232$1,999
11 years$3,027$2,707$2,417$2,155$1,919$1,697
12 years$2,746$2,429$2,145$1,890$1,663$1,452
13 years$2,509$2,195$1,916$1,669$1,450$1,249
14 years$2,306$1,996$1,722$1,481$1,271$1,080
15 years$2,130$1,823$1,554$1,321$1,119$938
16 years$1,976$1,673$1,409$1,183$989$817
17 years$1,840$1,540$1,282$1,063$877$714
18 years$1,720$1,423$1,171$958$780$626
19 years$1,612$1,319$1,072$865$695$550
20 years$1,516$1,226$984$784$621$484
21 years$1,428$1,142$905$711$556$426
22 years$1,349$1,066$834$647$498$376
23 years$1,277$997$770$589$447$332
24 years$1,211$934$712$537$402$294
25 years$1,150$876$659$491$362$260
26 years$1,094$824$612$449$326$231
27 years$1,042$775$568$411$294$205
28 years$994$731$528$376$265$182
29 years$949$689$491$345$239$161
30 years$908$651$458$317$216$143
31 years$869$615$427$291$195$127
32 years$833$582$398$267$177$113
33 years$799$551$372$246$160$101
34 years$767$523$347$226$145$90
35 years$737$496$325$208$131$80
36 years$708$470$304$192$119$71
37 years$682$447$284$177$108$63
38 years$656$425$266$163$98$56
39 years$632$404$249$150$89$50
40 years$610$384$234$138$80$45
41 years$588$366$219$128$73$40
42 years$568$348$206$118$66$35
43 years$548$332$193$109$60$32
44 years$530$316$181$100$54$28
45 years$512$302$170$93$49$25
46 years$495$288$160$86$45$22
47 years$479$275$150$79$41$20
48 years$464$262$141$73$37$18
49 years$449$250$133$68$34$16
50 years$435$239$125$63$31$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 75 starting with $446,000, adding $3,978 every year, while hoping to spend $38,702 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: 45/25/30 Blend
74$446,000$446,000$446,000$446,000
75$495,595$471,957$465,044$513,444
76$504,967$453,905$439,445$508,508
77$513,998$433,670$411,690$499,163
78$522,612$411,106$381,668$488,300
79$530,725$386,057$349,260$475,800
80$538,241$358,356$314,343$461,534
81$545,056$327,829$276,787$445,364
82$551,051$294,292$236,459$427,141
83$556,095$257,550$193,218$406,707
84$560,042$217,395$146,916$383,887
85$562,730$173,610$97,400$358,498
86$563,976$125,965$44,511$330,340
87$563,581$74,217$0$299,198
88$561,321$18,108$0$268,659
89$556,949$0$0$250,106
90$550,189$0$0$240,794
91$540,738$0$0$235,098
92$528,257$0$0$227,867
93$512,372$0$0$218,916
94$492,670$0$0$208,038
95$468,691$0$0$195,004
96$439,928$0$0$179,561
97$405,819$0$0$161,431
98$365,743$0$0$140,303
99$319,013$0$0$115,836
100$264,869$0$0$87,652