Can I retire at age 75 with 9,100,000?

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 $9,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.7%
1 years$751,469$744,776$738,245$731,871$725,647$702,981
2 years$372,015$365,086$358,371$351,861$345,546$322,913
3 years$245,546$238,588$231,890$225,441$219,229$197,338
4 years$182,324$175,387$168,757$162,417$156,356$135,375
5 years$144,401$137,506$130,962$124,752$118,859$98,844
6 years$119,127$112,284$105,837$99,765$94,049$75,018
7 years$101,082$94,296$87,951$82,023$76,487$58,438
8 years$87,554$80,829$74,589$68,807$63,453$46,375
9 years$77,037$70,376$64,244$58,608$53,437$37,310
10 years$68,629$62,033$56,009$50,521$45,531$30,331
11 years$61,754$55,224$49,310$43,968$39,158$24,859
12 years$56,029$49,566$43,761$38,566$33,934$20,504
13 years$51,189$44,794$39,098$34,048$29,591$17,000
14 years$47,043$40,716$35,129$30,224$25,939$14,152
15 years$43,454$37,195$31,717$26,954$22,839$11,822
16 years$40,316$34,126$28,756$24,135$20,185$9,903
17 years$37,551$31,428$26,167$21,685$17,897$8,314
18 years$35,095$29,041$23,887$19,542$15,914$6,993
19 years$32,901$26,915$21,867$17,658$14,184$5,892
20 years$30,928$25,011$20,069$15,993$12,670$4,970
21 years$29,146$23,297$18,459$14,515$11,338$4,198
22 years$27,527$21,747$17,013$13,197$10,163$3,549
23 years$26,052$20,339$15,709$12,019$9,123$3,002
24 years$24,702$19,056$14,528$10,962$8,200$2,541
25 years$23,461$17,884$13,456$10,011$7,378$2,153
26 years$22,318$16,808$12,480$9,154$6,646$1,824
27 years$21,261$15,818$11,588$8,379$5,992$1,546
28 years$20,282$14,905$10,773$7,677$5,407$1,311
29 years$19,372$14,061$10,025$7,040$4,882$1,112
30 years$18,524$13,279$9,338$6,461$4,411$944
31 years$17,732$12,553$8,706$5,933$3,988$801
32 years$16,991$11,878$8,122$5,453$3,608$680
33 years$16,297$11,249$7,584$5,015$3,265$577
34 years$15,645$10,661$7,086$4,614$2,956$490
35 years$15,031$10,112$6,625$4,247$2,677$416
36 years$14,453$9,598$6,197$3,912$2,426$353
37 years$13,907$9,116$5,801$3,604$2,199$300
38 years$13,392$8,663$5,432$3,322$1,993$255
39 years$12,904$8,238$5,089$3,063$1,808$216
40 years$12,441$7,838$4,770$2,825$1,640$184
41 years$12,002$7,461$4,473$2,607$1,487$156
42 years$11,586$7,105$4,196$2,406$1,350$133
43 years$11,189$6,770$3,937$2,221$1,225$113
44 years$10,812$6,453$3,696$2,050$1,112$96
45 years$10,453$6,154$3,470$1,894$1,009$81
46 years$10,110$5,870$3,259$1,749$916$69
47 years$9,783$5,602$3,062$1,616$832$59
48 years$9,470$5,348$2,877$1,493$756$50
49 years$9,171$5,107$2,705$1,380$686$42
50 years$8,885$4,878$2,543$1,276$623$36

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 75 starting with $9,100,000, adding $3,190 every year, while hoping to spend $59,977 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: 32/47/21 Blend
74$9,100,000$9,100,000$9,100,000$9,100,000
75$10,031,490$9,549,190$9,408,140$10,287,232
76$10,990,887$9,953,286$9,659,498$10,883,546
77$12,046,133$10,375,172$9,917,266$11,519,740
78$13,206,940$10,815,656$10,181,596$12,203,758
79$14,484,010$11,275,586$10,452,642$12,939,824
80$15,889,135$11,755,846$10,730,561$13,732,567
81$17,435,307$12,257,363$11,015,516$14,587,060
82$19,136,842$12,781,107$11,307,669$15,508,865
83$21,009,512$13,328,093$11,607,188$16,504,082
84$23,070,696$13,899,384$11,914,243$17,579,400
85$25,339,546$14,496,092$12,229,008$18,742,158
86$27,837,160$15,119,381$12,551,661$20,000,411
87$30,586,790$15,770,470$12,882,381$21,362,997
88$33,614,055$16,450,636$13,221,353$22,839,619
89$36,947,184$17,161,212$13,568,764$24,440,933
90$40,617,284$17,903,599$13,924,805$26,178,638
91$44,658,631$18,679,259$14,289,670$28,065,585
92$49,108,994$19,489,726$14,663,557$30,115,893
93$54,009,993$20,336,604$15,046,667$32,345,073
94$59,407,488$21,221,574$15,439,206$34,770,170
95$65,352,015$22,146,394$15,841,383$37,409,919
96$71,899,260$23,112,906$16,253,408$40,284,910
97$79,110,585$24,123,039$16,675,498$43,417,781
98$87,053,611$25,178,814$17,107,873$46,833,420
99$95,802,847$26,282,345$17,550,756$50,559,195
100$105,440,404$27,435,846$18,004,372$54,625,202