Can I retire at age 75 with 525,000?

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 $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%11.4%
1 years$43,354$42,968$42,591$42,223$41,864$41,618
2 years$21,462$21,063$20,675$20,300$19,935$19,687
3 years$14,166$13,765$13,378$13,006$12,648$12,405
4 years$10,519$10,118$9,736$9,370$9,021$8,785
5 years$8,331$7,933$7,556$7,197$6,857$6,630
6 years$6,873$6,478$6,106$5,756$5,426$5,207
7 years$5,832$5,440$5,074$4,732$4,413$4,202
8 years$5,051$4,663$4,303$3,970$3,661$3,458
9 years$4,444$4,060$3,706$3,381$3,083$2,889
10 years$3,959$3,579$3,231$2,915$2,627$2,441
11 years$3,563$3,186$2,845$2,537$2,259$2,082
12 years$3,232$2,860$2,525$2,225$1,958$1,788
13 years$2,953$2,584$2,256$1,964$1,707$1,546
14 years$2,714$2,349$2,027$1,744$1,496$1,343
15 years$2,507$2,146$1,830$1,555$1,318$1,172
16 years$2,326$1,969$1,659$1,392$1,165$1,026
17 years$2,166$1,813$1,510$1,251$1,033$901
18 years$2,025$1,675$1,378$1,127$918$793
19 years$1,898$1,553$1,262$1,019$818$700
20 years$1,784$1,443$1,158$923$731$619
21 years$1,681$1,344$1,065$837$654$548
22 years$1,588$1,255$982$761$586$487
23 years$1,503$1,173$906$693$526$432
24 years$1,425$1,099$838$632$473$384
25 years$1,354$1,032$776$578$426$342
26 years$1,288$970$720$528$383$305
27 years$1,227$913$669$483$346$272
28 years$1,170$860$622$443$312$243
29 years$1,118$811$578$406$282$217
30 years$1,069$766$539$373$255$194
31 years$1,023$724$502$342$230$173
32 years$980$685$469$315$208$155
33 years$940$649$438$289$188$139
34 years$903$615$409$266$171$124
35 years$867$583$382$245$154$111
36 years$834$554$358$226$140$99
37 years$802$526$335$208$127$89
38 years$773$500$313$192$115$80
39 years$744$475$294$177$104$71
40 years$718$452$275$163$95$64
41 years$692$430$258$150$86$57
42 years$668$410$242$139$78$51
43 years$646$391$227$128$71$46
44 years$624$372$213$118$64$41
45 years$603$355$200$109$58$37
46 years$583$339$188$101$53$33
47 years$564$323$177$93$48$30
48 years$546$309$166$86$44$27
49 years$529$295$156$80$40$24
50 years$513$281$147$74$36$22

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 75 starting with $525,000, adding $4,134 every year, while hoping to spend $34,230 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: 74/12/14 Blend
74$525,000$525,000$525,000$525,000
75$582,814$554,989$546,852$623,892
76$605,841$545,763$528,751$642,391
77$630,069$534,938$508,896$658,011
78$655,585$522,399$487,193$674,202
79$682,483$508,025$463,542$691,011
80$710,865$491,687$437,840$708,489
81$740,844$473,250$409,978$726,695
82$772,541$452,570$379,843$745,695
83$806,088$429,495$347,317$765,561
84$841,633$403,863$312,275$786,373
85$879,333$375,506$274,590$808,220
86$919,361$344,242$234,125$831,203
87$961,908$309,882$190,740$855,431
88$1,007,181$272,224$144,288$881,027
89$1,055,407$231,057$94,616$908,129
90$1,106,835$186,156$41,562$936,887
91$1,161,739$137,284$0$967,470
92$1,220,415$84,190$0$1,002,314
93$1,283,192$26,610$0$1,046,149
94$1,350,429$0$0$1,093,017
95$1,422,518$0$0$1,147,921
96$1,499,893$0$0$1,210,637
97$1,583,027$0$0$1,278,037
98$1,672,440$0$0$1,350,546
99$1,768,704$0$0$1,428,628
100$1,872,445$0$0$1,512,795