Can I retire at age 75 with 730,000?

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 $730,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.8%
1 years$60,283$59,746$59,222$58,711$58,211$57,772
2 years$29,843$29,287$28,748$28,226$27,720$27,277
3 years$19,698$19,139$18,602$18,085$17,586$17,154
4 years$14,626$14,070$13,538$13,029$12,543$12,123
5 years$11,584$11,031$10,506$10,008$9,535$9,130
6 years$9,556$9,007$8,490$8,003$7,545$7,155
7 years$8,109$7,564$7,055$6,580$6,136$5,762
8 years$7,024$6,484$5,984$5,520$5,090$4,731
9 years$6,180$5,646$5,154$4,702$4,287$3,943
10 years$5,505$4,976$4,493$4,053$3,652$3,324
11 years$4,954$4,430$3,956$3,527$3,141$2,828
12 years$4,495$3,976$3,510$3,094$2,722$2,423
13 years$4,106$3,593$3,136$2,731$2,374$2,089
14 years$3,774$3,266$2,818$2,425$2,081$1,810
15 years$3,486$2,984$2,544$2,162$1,832$1,575
16 years$3,234$2,738$2,307$1,936$1,619$1,375
17 years$3,012$2,521$2,099$1,740$1,436$1,204
18 years$2,815$2,330$1,916$1,568$1,277$1,057
19 years$2,639$2,159$1,754$1,417$1,138$931
20 years$2,481$2,006$1,610$1,283$1,016$821
21 years$2,338$1,869$1,481$1,164$910$725
22 years$2,208$1,745$1,365$1,059$815$641
23 years$2,090$1,632$1,260$964$732$568
24 years$1,982$1,529$1,165$879$658$503
25 years$1,882$1,435$1,079$803$592$447
26 years$1,790$1,348$1,001$734$533$397
27 years$1,706$1,269$930$672$481$353
28 years$1,627$1,196$864$616$434$314
29 years$1,554$1,128$804$565$392$279
30 years$1,486$1,065$749$518$354$249
31 years$1,422$1,007$698$476$320$222
32 years$1,363$953$652$437$289$198
33 years$1,307$902$608$402$262$176
34 years$1,255$855$568$370$237$157
35 years$1,206$811$531$341$215$140
36 years$1,159$770$497$314$195$125
37 years$1,116$731$465$289$176$112
38 years$1,074$695$436$266$160$100
39 years$1,035$661$408$246$145$89
40 years$998$629$383$227$132$80
41 years$963$598$359$209$119$71
42 years$929$570$337$193$108$64
43 years$898$543$316$178$98$57
44 years$867$518$296$164$89$51
45 years$839$494$278$152$81$45
46 years$811$471$261$140$74$41
47 years$785$449$246$130$67$36
48 years$760$429$231$120$61$32
49 years$736$410$217$111$55$29
50 years$713$391$204$102$50$26

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 75 starting with $730,000, adding $5,841 every year, while hoping to spend $49,444 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: 26/45/29 Blend
74$730,000$730,000$730,000$730,000
75$810,485$771,795$760,480$824,122
76$840,546$757,005$733,348$821,039
77$872,017$739,833$703,650$813,146
78$904,988$720,110$671,248$803,671
79$939,559$697,658$635,997$792,515
80$975,838$672,287$597,746$779,575
81$1,013,941$643,796$556,338$764,742
82$1,053,995$611,975$511,608$747,903
83$1,096,139$576,598$463,383$728,941
84$1,140,522$537,428$411,484$707,733
85$1,187,309$494,216$355,722$684,151
86$1,236,677$446,695$295,901$658,063
87$1,288,822$394,586$231,817$629,330
88$1,343,954$337,593$163,255$597,809
89$1,402,305$275,403$89,992$563,353
90$1,464,128$207,686$11,795$525,808
91$1,529,698$134,092$0$485,016
92$1,599,318$54,253$0$462,985
93$1,673,318$0$0$442,711
94$1,752,058$0$0$436,403
95$1,835,933$0$0$458,369
96$1,925,376$0$0$481,865
97$2,020,861$0$0$507,024
98$2,122,907$0$0$533,995
99$2,232,083$0$0$562,937
100$2,349,013$0$0$594,027