Can I retire at age 75 with 526,000?

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 $526,000?

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$43,437$43,050$42,672$42,304$41,944$41,715
2 years$21,503$21,103$20,715$20,338$19,973$19,742
3 years$14,193$13,791$13,404$13,031$12,672$12,446
4 years$10,539$10,138$9,755$9,388$9,038$8,818
5 years$8,347$7,948$7,570$7,211$6,870$6,658
6 years$6,886$6,490$6,118$5,767$5,436$5,232
7 years$5,843$5,451$5,084$4,741$4,421$4,225
8 years$5,061$4,672$4,311$3,977$3,668$3,479
9 years$4,453$4,068$3,713$3,388$3,089$2,908
10 years$3,967$3,586$3,237$2,920$2,632$2,459
11 years$3,570$3,192$2,850$2,541$2,263$2,098
12 years$3,239$2,865$2,529$2,229$1,961$1,804
13 years$2,959$2,589$2,260$1,968$1,710$1,560
14 years$2,719$2,353$2,031$1,747$1,499$1,356
15 years$2,512$2,150$1,833$1,558$1,320$1,184
16 years$2,330$1,973$1,662$1,395$1,167$1,037
17 years$2,171$1,817$1,513$1,253$1,035$911
18 years$2,029$1,679$1,381$1,130$920$803
19 years$1,902$1,556$1,264$1,021$820$709
20 years$1,788$1,446$1,160$924$732$628
21 years$1,685$1,347$1,067$839$655$556
22 years$1,591$1,257$983$763$587$494
23 years$1,506$1,176$908$695$527$439
24 years$1,428$1,102$840$634$474$391
25 years$1,356$1,034$778$579$426$348
26 years$1,290$972$721$529$384$311
27 years$1,229$914$670$484$346$277
28 years$1,172$862$623$444$313$248
29 years$1,120$813$579$407$282$221
30 years$1,071$768$540$373$255$198
31 years$1,025$726$503$343$231$177
32 years$982$687$469$315$209$158
33 years$942$650$438$290$189$142
34 years$904$616$410$267$171$127
35 years$869$584$383$245$155$114
36 years$835$555$358$226$140$102
37 years$804$527$335$208$127$91
38 years$774$501$314$192$115$82
39 years$746$476$294$177$104$74
40 years$719$453$276$163$95$66
41 years$694$431$259$151$86$59
42 years$670$411$243$139$78$53
43 years$647$391$228$128$71$48
44 years$625$373$214$119$64$43
45 years$604$356$201$109$58$38
46 years$584$339$188$101$53$34
47 years$565$324$177$93$48$31
48 years$547$309$166$86$44$28
49 years$530$295$156$80$40$25
50 years$514$282$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 $526,000, adding $5,572 every year, while hoping to spend $40,020 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: 65/5/30 Blend
74$526,000$526,000$526,000$526,000
75$585,400$557,522$549,369$618,442
76$602,529$542,259$525,191$626,224
77$620,065$524,908$498,863$629,818
78$638,006$505,322$470,269$632,885
79$656,349$483,350$439,290$635,379
80$675,092$458,829$405,801$637,251
81$694,228$431,588$369,672$638,447
82$713,749$401,446$330,766$638,910
83$733,646$368,212$288,942$638,579
84$753,906$331,682$244,049$637,388
85$774,514$291,644$195,934$635,266
86$795,450$247,870$144,434$632,139
87$816,693$200,123$89,379$627,925
88$838,216$148,149$30,593$622,538
89$859,988$91,682$0$615,885
90$881,974$30,441$0$618,154
91$904,131$0$0$630,068
92$926,413$0$0$643,748
93$948,764$0$0$659,133
94$971,123$0$0$674,504
95$993,418$0$0$689,809
96$1,015,570$0$0$704,990
97$1,037,487$0$0$719,982
98$1,059,066$0$0$734,709
99$1,080,194$0$0$749,090
100$1,100,738$0$0$763,029