Can I retire at age 75 with 446,000?

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 $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%12.4%
1 years$36,830$36,502$36,182$35,870$35,565$35,208
2 years$18,233$17,893$17,564$17,245$16,936$16,576
3 years$12,034$11,693$11,365$11,049$10,745$10,394
4 years$8,936$8,596$8,271$7,960$7,663$7,324
5 years$7,077$6,739$6,419$6,114$5,825$5,498
6 years$5,839$5,503$5,187$4,890$4,609$4,295
7 years$4,954$4,622$4,311$4,020$3,749$3,447
8 years$4,291$3,962$3,656$3,372$3,110$2,821
9 years$3,776$3,449$3,149$2,872$2,619$2,343
10 years$3,364$3,040$2,745$2,476$2,232$1,968
11 years$3,027$2,707$2,417$2,155$1,919$1,668
12 years$2,746$2,429$2,145$1,890$1,663$1,424
13 years$2,509$2,195$1,916$1,669$1,450$1,223
14 years$2,306$1,996$1,722$1,481$1,271$1,055
15 years$2,130$1,823$1,554$1,321$1,119$914
16 years$1,976$1,673$1,409$1,183$989$795
17 years$1,840$1,540$1,282$1,063$877$694
18 years$1,720$1,423$1,171$958$780$606
19 years$1,612$1,319$1,072$865$695$531
20 years$1,516$1,226$984$784$621$466
21 years$1,428$1,142$905$711$556$410
22 years$1,349$1,066$834$647$498$361
23 years$1,277$997$770$589$447$318
24 years$1,211$934$712$537$402$281
25 years$1,150$876$659$491$362$248
26 years$1,094$824$612$449$326$220
27 years$1,042$775$568$411$294$194
28 years$994$731$528$376$265$172
29 years$949$689$491$345$239$152
30 years$908$651$458$317$216$135
31 years$869$615$427$291$195$120
32 years$833$582$398$267$177$106
33 years$799$551$372$246$160$94
34 years$767$523$347$226$145$84
35 years$737$496$325$208$131$74
36 years$708$470$304$192$119$66
37 years$682$447$284$177$108$59
38 years$656$425$266$163$98$52
39 years$632$404$249$150$89$46
40 years$610$384$234$138$80$41
41 years$588$366$219$128$73$36
42 years$568$348$206$118$66$32
43 years$548$332$193$109$60$29
44 years$530$316$181$100$54$26
45 years$512$302$170$93$49$23
46 years$495$288$160$86$45$20
47 years$479$275$150$79$41$18
48 years$464$262$141$73$37$16
49 years$449$250$133$68$34$14
50 years$435$239$125$63$31$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 75 starting with $446,000, adding $2,644 every year, while hoping to spend $28,285 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: 66/24/10 Blend
74$446,000$446,000$446,000$446,000
75$494,219$470,581$463,668$525,624
76$514,535$463,545$449,106$539,829
77$535,974$455,215$433,108$551,750
78$558,623$445,500$415,596$564,048
79$582,573$434,300$396,489$576,756
80$607,925$421,511$375,702$589,913
81$634,790$407,022$353,145$603,562
82$663,289$390,716$328,725$617,752
83$693,552$372,469$302,345$632,537
84$725,725$352,150$273,904$647,978
85$759,964$329,620$243,295$664,146
86$796,442$304,733$210,407$681,116
87$835,348$277,335$175,125$698,976
88$876,889$247,260$137,327$717,821
89$921,293$214,336$96,888$737,762
90$968,806$178,380$53,676$758,918
91$1,019,702$139,199$7,552$781,425
92$1,074,281$96,588$0$805,435
93$1,132,869$50,333$0$835,563
94$1,195,827$204$0$868,700
95$1,263,550$0$0$904,266
96$1,336,472$0$0$956,784
97$1,415,069$0$0$1,013,468
98$1,499,865$0$0$1,074,646
99$1,591,434$0$0$1,140,735
100$1,690,409$0$0$1,212,194