Can I retire at age 75 with 736,000?

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 $736,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.5%
1 years$60,778$60,237$59,709$59,193$58,690$58,320
2 years$30,088$29,528$28,985$28,458$27,947$27,574
3 years$19,860$19,297$18,755$18,233$17,731$17,366
4 years$14,746$14,185$13,649$13,136$12,646$12,292
5 years$11,679$11,121$10,592$10,090$9,613$9,272
6 years$9,635$9,081$8,560$8,069$7,607$7,278
7 years$8,175$7,627$7,113$6,634$6,186$5,870
8 years$7,081$6,537$6,033$5,565$5,132$4,829
9 years$6,231$5,692$5,196$4,740$4,322$4,031
10 years$5,551$5,017$4,530$4,086$3,683$3,405
11 years$4,995$4,467$3,988$3,556$3,167$2,901
12 years$4,532$4,009$3,539$3,119$2,745$2,491
13 years$4,140$3,623$3,162$2,754$2,393$2,152
14 years$3,805$3,293$2,841$2,444$2,098$1,868
15 years$3,515$3,008$2,565$2,180$1,847$1,629
16 years$3,261$2,760$2,326$1,952$1,633$1,425
17 years$3,037$2,542$2,116$1,754$1,448$1,251
18 years$2,838$2,349$1,932$1,581$1,287$1,100
19 years$2,661$2,177$1,769$1,428$1,147$970
20 years$2,501$2,023$1,623$1,293$1,025$858
21 years$2,357$1,884$1,493$1,174$917$759
22 years$2,226$1,759$1,376$1,067$822$673
23 years$2,107$1,645$1,271$972$738$597
24 years$1,998$1,541$1,175$887$663$531
25 years$1,898$1,446$1,088$810$597$472
26 years$1,805$1,359$1,009$740$538$421
27 years$1,720$1,279$937$678$485$375
28 years$1,640$1,206$871$621$437$334
29 years$1,567$1,137$811$569$395$298
30 years$1,498$1,074$755$523$357$266
31 years$1,434$1,015$704$480$323$238
32 years$1,374$961$657$441$292$212
33 years$1,318$910$613$406$264$190
34 years$1,265$862$573$373$239$170
35 years$1,216$818$536$344$217$152
36 years$1,169$776$501$316$196$136
37 years$1,125$737$469$291$178$122
38 years$1,083$701$439$269$161$109
39 years$1,044$666$412$248$146$98
40 years$1,006$634$386$228$133$87
41 years$971$603$362$211$120$78
42 years$937$575$339$195$109$70
43 years$905$548$318$180$99$63
44 years$874$522$299$166$90$56
45 years$845$498$281$153$82$50
46 years$818$475$264$141$74$45
47 years$791$453$248$131$67$40
48 years$766$433$233$121$61$36
49 years$742$413$219$112$56$33
50 years$719$395$206$103$50$29

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 75 starting with $736,000, adding $6,621 every year, while hoping to spend $46,535 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: 45/50/5 Blend
74$736,000$736,000$736,000$736,000
75$817,902$778,894$767,486$853,295
76$851,815$767,546$743,683$866,991
77$887,627$754,084$717,524$876,450
78$925,484$738,352$688,880$885,608
79$965,542$720,191$657,617$894,452
80$1,007,975$699,428$623,594$902,969
81$1,052,971$675,882$586,667$911,151
82$1,100,734$649,360$546,681$918,992
83$1,151,491$619,661$503,476$926,488
84$1,205,487$586,568$456,887$933,639
85$1,262,992$549,856$406,738$940,453
86$1,324,301$509,282$352,847$946,939
87$1,389,736$464,593$295,024$953,114
88$1,459,652$415,521$233,070$959,004
89$1,534,436$361,782$166,778$964,640
90$1,614,515$303,075$95,931$970,067
91$1,700,353$239,084$20,303$975,336
92$1,792,464$169,474$0$980,515
93$1,891,408$93,891$0$988,906
94$1,997,802$11,962$0$998,749
95$2,112,323$0$0$1,009,089
96$2,235,713$0$0$1,062,279
97$2,368,789$0$0$1,126,810
98$2,512,447$0$0$1,196,542
99$2,667,673$0$0$1,271,963
100$2,835,548$0$0$1,353,608