Can I retire at age 75 with 460,000?

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 $460,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.3%
1 years$37,986$37,648$37,318$36,996$36,681$36,480
2 years$18,805$18,455$18,115$17,786$17,467$17,265
3 years$12,412$12,060$11,722$11,396$11,082$10,884
4 years$9,216$8,866$8,531$8,210$7,904$7,712
5 years$7,299$6,951$6,620$6,306$6,008$5,823
6 years$6,022$5,676$5,350$5,043$4,754$4,575
7 years$5,110$4,767$4,446$4,146$3,866$3,695
8 years$4,426$4,086$3,770$3,478$3,208$3,043
9 years$3,894$3,557$3,247$2,963$2,701$2,543
10 years$3,469$3,136$2,831$2,554$2,302$2,150
11 years$3,122$2,792$2,493$2,223$1,979$1,835
12 years$2,832$2,506$2,212$1,949$1,715$1,577
13 years$2,588$2,264$1,976$1,721$1,496$1,364
14 years$2,378$2,058$1,776$1,528$1,311$1,186
15 years$2,197$1,880$1,603$1,363$1,154$1,035
16 years$2,038$1,725$1,454$1,220$1,020$907
17 years$1,898$1,589$1,323$1,096$905$797
18 years$1,774$1,468$1,207$988$804$702
19 years$1,663$1,361$1,105$893$717$620
20 years$1,563$1,264$1,014$808$640$549
21 years$1,473$1,178$933$734$573$487
22 years$1,391$1,099$860$667$514$432
23 years$1,317$1,028$794$608$461$384
24 years$1,249$963$734$554$414$342
25 years$1,186$904$680$506$373$305
26 years$1,128$850$631$463$336$272
27 years$1,075$800$586$424$303$242
28 years$1,025$753$545$388$273$217
29 years$979$711$507$356$247$194
30 years$936$671$472$327$223$173
31 years$896$635$440$300$202$155
32 years$859$600$411$276$182$139
33 years$824$569$383$253$165$124
34 years$791$539$358$233$149$111
35 years$760$511$335$215$135$100
36 years$731$485$313$198$123$89
37 years$703$461$293$182$111$80
38 years$677$438$275$168$101$72
39 years$652$416$257$155$91$64
40 years$629$396$241$143$83$58
41 years$607$377$226$132$75$52
42 years$586$359$212$122$68$46
43 years$566$342$199$112$62$42
44 years$547$326$187$104$56$37
45 years$528$311$175$96$51$34
46 years$511$297$165$88$46$30
47 years$495$283$155$82$42$27
48 years$479$270$145$75$38$24
49 years$464$258$137$70$35$22
50 years$449$247$129$64$32$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 75 starting with $460,000, adding $3,094 every year, while hoping to spend $31,199 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: 51/30/19 Blend
74$460,000$460,000$460,000$460,000
75$510,111$485,731$478,601$533,300
76$528,947$476,337$461,439$540,219
77$548,659$465,436$442,656$544,255
78$569,302$452,923$422,165$547,974
79$590,939$438,684$399,876$551,357
80$613,635$422,599$375,692$554,386
81$637,462$404,543$349,513$557,041
82$662,498$384,381$321,237$559,304
83$688,828$361,971$290,755$561,156
84$716,545$337,164$257,951$562,580
85$745,749$309,802$222,709$563,560
86$776,550$279,716$184,904$564,080
87$809,066$246,730$144,406$564,126
88$843,428$210,657$101,081$563,686
89$879,778$171,300$54,788$562,750
90$918,271$128,449$5,379$561,311
91$959,076$81,884$0$559,364
92$1,002,378$31,373$0$566,508
93$1,048,379$0$0$574,934
94$1,097,301$0$0$591,296
95$1,149,385$0$0$619,768
96$1,204,897$0$0$650,142
97$1,264,127$0$0$682,578
98$1,327,392$0$0$717,256
99$1,395,042$0$0$754,371
100$1,467,458$0$0$794,136