Can I retire at age 75 with 525,000?

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 $525,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.2%
1 years$43,354$42,968$42,591$42,223$41,864$41,137
2 years$21,462$21,063$20,675$20,300$19,935$19,205
3 years$14,166$13,765$13,378$13,006$12,648$11,937
4 years$10,519$10,118$9,736$9,370$9,021$8,335
5 years$8,331$7,933$7,556$7,197$6,857$6,199
6 years$6,873$6,478$6,106$5,756$5,426$4,795
7 years$5,832$5,440$5,074$4,732$4,413$3,810
8 years$5,051$4,663$4,303$3,970$3,661$3,086
9 years$4,444$4,060$3,706$3,381$3,083$2,536
10 years$3,959$3,579$3,231$2,915$2,627$2,107
11 years$3,563$3,186$2,845$2,537$2,259$1,766
12 years$3,232$2,860$2,525$2,225$1,958$1,490
13 years$2,953$2,584$2,256$1,964$1,707$1,265
14 years$2,714$2,349$2,027$1,744$1,496$1,078
15 years$2,507$2,146$1,830$1,555$1,318$923
16 years$2,326$1,969$1,659$1,392$1,165$793
17 years$2,166$1,813$1,510$1,251$1,033$683
18 years$2,025$1,675$1,378$1,127$918$589
19 years$1,898$1,553$1,262$1,019$818$510
20 years$1,784$1,443$1,158$923$731$441
21 years$1,681$1,344$1,065$837$654$383
22 years$1,588$1,255$982$761$586$333
23 years$1,503$1,173$906$693$526$289
24 years$1,425$1,099$838$632$473$252
25 years$1,354$1,032$776$578$426$219
26 years$1,288$970$720$528$383$191
27 years$1,227$913$669$483$346$167
28 years$1,170$860$622$443$312$145
29 years$1,118$811$578$406$282$127
30 years$1,069$766$539$373$255$111
31 years$1,023$724$502$342$230$97
32 years$980$685$469$315$208$85
33 years$940$649$438$289$188$74
34 years$903$615$409$266$171$65
35 years$867$583$382$245$154$57
36 years$834$554$358$226$140$49
37 years$802$526$335$208$127$43
38 years$773$500$313$192$115$38
39 years$744$475$294$177$104$33
40 years$718$452$275$163$95$29
41 years$692$430$258$150$86$25
42 years$668$410$242$139$78$22
43 years$646$391$227$128$71$19
44 years$624$372$213$118$64$17
45 years$603$355$200$109$58$15
46 years$583$339$188$101$53$13
47 years$564$323$177$93$48$11
48 years$546$309$166$86$44$10
49 years$529$295$156$80$40$9
50 years$513$281$147$74$36$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 75 starting with $525,000, adding $5,303 every year, while hoping to spend $43,260 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: 76/13/11 Blend
74$525,000$525,000$525,000$525,000
75$584,020$556,195$548,058$626,804
76$597,562$537,420$520,389$636,949
77$611,035$516,276$490,344$642,061
78$624,387$492,599$457,797$646,446
79$637,558$466,220$422,617$650,015
80$650,481$436,957$384,666$652,673
81$663,081$404,619$343,804$654,314
82$675,273$369,003$299,879$654,823
83$686,962$329,896$252,736$654,073
84$698,042$287,071$202,213$651,927
85$708,394$240,289$148,139$648,233
86$717,885$189,298$90,336$642,825
87$726,368$133,832$28,621$635,522
88$733,676$73,608$0$626,125
89$739,626$8,330$0$618,789
90$744,013$0$0$612,772
91$746,609$0$0$613,391
92$747,161$0$0$613,478
93$745,388$0$0$611,607
94$740,978$0$0$607,514
95$733,584$0$0$600,909
96$722,822$0$0$591,472
97$708,266$0$0$578,843
98$689,445$0$0$562,628
99$665,836$0$0$542,389
100$636,859$0$0$517,640