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%13.8%
1 years$751,469$744,776$738,245$731,871$725,647$714,213
2 years$372,015$365,086$358,371$351,861$345,546$334,057
3 years$245,546$238,588$231,890$225,441$219,229$208,041
4 years$182,324$175,387$168,757$162,417$156,356$145,556
5 years$144,401$137,506$130,962$124,752$118,859$108,478
6 years$119,127$112,284$105,837$99,765$94,049$84,099
7 years$101,082$94,296$87,951$82,023$76,487$66,971
8 years$87,554$80,829$74,589$68,807$63,453$54,370
9 years$77,037$70,376$64,244$58,608$53,437$44,781
10 years$68,629$62,033$56,009$50,521$45,531$37,296
11 years$61,754$55,224$49,310$43,968$39,158$31,335
12 years$56,029$49,566$43,761$38,566$33,934$26,513
13 years$51,189$44,794$39,098$34,048$29,591$22,562
14 years$47,043$40,716$35,129$30,224$25,939$19,291
15 years$43,454$37,195$31,717$26,954$22,839$16,558
16 years$40,316$34,126$28,756$24,135$20,185$14,260
17 years$37,551$31,428$26,167$21,685$17,897$12,315
18 years$35,095$29,041$23,887$19,542$15,914$10,660
19 years$32,901$26,915$21,867$17,658$14,184$9,246
20 years$30,928$25,011$20,069$15,993$12,670$8,033
21 years$29,146$23,297$18,459$14,515$11,338$6,990
22 years$27,527$21,747$17,013$13,197$10,163$6,090
23 years$26,052$20,339$15,709$12,019$9,123$5,312
24 years$24,702$19,056$14,528$10,962$8,200$4,637
25 years$23,461$17,884$13,456$10,011$7,378$4,052
26 years$22,318$16,808$12,480$9,154$6,646$3,543
27 years$21,261$15,818$11,588$8,379$5,992$3,100
28 years$20,282$14,905$10,773$7,677$5,407$2,713
29 years$19,372$14,061$10,025$7,040$4,882$2,376
30 years$18,524$13,279$9,338$6,461$4,411$2,082
31 years$17,732$12,553$8,706$5,933$3,988$1,825
32 years$16,991$11,878$8,122$5,453$3,608$1,600
33 years$16,297$11,249$7,584$5,015$3,265$1,403
34 years$15,645$10,661$7,086$4,614$2,956$1,231
35 years$15,031$10,112$6,625$4,247$2,677$1,080
36 years$14,453$9,598$6,197$3,912$2,426$948
37 years$13,907$9,116$5,801$3,604$2,199$832
38 years$13,392$8,663$5,432$3,322$1,993$730
39 years$12,904$8,238$5,089$3,063$1,808$641
40 years$12,441$7,838$4,770$2,825$1,640$563
41 years$12,002$7,461$4,473$2,607$1,487$494
42 years$11,586$7,105$4,196$2,406$1,350$434
43 years$11,189$6,770$3,937$2,221$1,225$381
44 years$10,812$6,453$3,696$2,050$1,112$335
45 years$10,453$6,154$3,470$1,894$1,009$294
46 years$10,110$5,870$3,259$1,749$916$258
47 years$9,783$5,602$3,062$1,616$832$227
48 years$9,470$5,348$2,877$1,493$756$199
49 years$9,171$5,107$2,705$1,380$686$175
50 years$8,885$4,878$2,543$1,276$623$154

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 $4,445 every year, while hoping to spend $37,550 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: 80/8/12 Blend
74$9,100,000$9,100,000$9,100,000$9,100,000
75$10,032,785$9,550,485$9,409,435$10,812,928
76$11,016,176$9,978,506$9,684,698$11,753,931
77$12,098,615$10,426,241$9,967,924$12,781,021
78$13,290,164$10,894,617$10,259,340$13,907,054
79$14,601,912$11,384,605$10,559,179$15,141,917
80$16,046,077$11,897,221$10,867,682$16,496,496
81$17,636,122$12,433,530$11,185,095$17,982,780
82$19,386,883$12,994,649$11,511,671$19,613,973
83$21,314,704$13,581,746$11,847,672$21,404,617
84$23,437,600$14,196,048$12,193,365$23,370,727
85$25,775,419$14,838,838$12,549,026$25,529,944
86$28,350,031$15,511,460$12,914,938$27,901,698
87$31,185,538$16,215,325$13,291,392$30,507,391
88$34,308,496$16,951,910$13,678,687$33,370,595
89$37,748,170$17,722,760$14,077,130$36,517,280
90$41,536,807$18,529,500$14,487,038$39,976,049
91$45,709,942$19,373,826$14,908,734$43,778,414
92$50,306,733$20,257,520$15,342,554$47,959,087
93$55,370,330$21,182,449$15,788,839$52,556,307
94$60,948,281$22,150,566$16,247,943$57,612,202
95$67,092,984$23,163,922$16,720,227$63,173,183
96$73,862,178$24,224,664$17,206,065$69,290,378
97$81,319,490$25,335,042$17,705,837$76,020,118
98$89,535,033$26,497,415$18,219,938$83,424,463
99$98,586,072$27,714,254$18,748,772$91,571,785
100$108,557,749$28,988,149$19,292,753$100,537,415