Can I retire at age 77 with 1,810,000?

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 $1,810,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.6%
1 years$149,468$148,137$146,838$145,570$144,332$139,322
2 years$73,994$72,616$71,280$69,986$68,729$63,734
3 years$48,839$47,455$46,123$44,840$43,605$38,780
4 years$36,265$34,885$33,566$32,305$31,099$26,483
5 years$28,722$27,350$26,048$24,813$23,641$19,245
6 years$23,695$22,333$21,051$19,843$18,706$14,534
7 years$20,105$18,756$17,494$16,314$15,213$11,264
8 years$17,414$16,077$14,836$13,686$12,621$8,891
9 years$15,323$13,998$12,778$11,657$10,629$7,114
10 years$13,650$12,338$11,140$10,049$9,056$5,751
11 years$12,283$10,984$9,808$8,745$7,789$4,686
12 years$11,144$9,859$8,704$7,671$6,749$3,842
13 years$10,182$8,909$7,777$6,772$5,886$3,166
14 years$9,357$8,098$6,987$6,012$5,159$2,619
15 years$8,643$7,398$6,309$5,361$4,543$2,174
16 years$8,019$6,788$5,720$4,800$4,015$1,809
17 years$7,469$6,251$5,205$4,313$3,560$1,509
18 years$6,980$5,776$4,751$3,887$3,165$1,261
19 years$6,544$5,353$4,349$3,512$2,821$1,055
20 years$6,152$4,975$3,992$3,181$2,520$884
21 years$5,797$4,634$3,672$2,887$2,255$741
22 years$5,475$4,325$3,384$2,625$2,021$622
23 years$5,182$4,045$3,124$2,391$1,815$523
24 years$4,913$3,790$2,890$2,180$1,631$439
25 years$4,666$3,557$2,676$1,991$1,468$369
26 years$4,439$3,343$2,482$1,821$1,322$311
27 years$4,229$3,146$2,305$1,666$1,192$262
28 years$4,034$2,965$2,143$1,527$1,075$220
29 years$3,853$2,797$1,994$1,400$971$185
30 years$3,684$2,641$1,857$1,285$877$156
31 years$3,527$2,497$1,732$1,180$793$132
32 years$3,380$2,363$1,616$1,085$718$111
33 years$3,241$2,237$1,508$997$649$93
34 years$3,112$2,121$1,409$918$588$79
35 years$2,990$2,011$1,318$845$533$66
36 years$2,875$1,909$1,233$778$483$56
37 years$2,766$1,813$1,154$717$437$47
38 years$2,664$1,723$1,080$661$396$40
39 years$2,567$1,639$1,012$609$360$33
40 years$2,475$1,559$949$562$326$28
41 years$2,387$1,484$890$518$296$24
42 years$2,304$1,413$835$478$268$20
43 years$2,226$1,347$783$442$244$17
44 years$2,151$1,284$735$408$221$14
45 years$2,079$1,224$690$377$201$12
46 years$2,011$1,168$648$348$182$10
47 years$1,946$1,114$609$321$166$9
48 years$1,884$1,064$572$297$150$7
49 years$1,824$1,016$538$274$137$6
50 years$1,767$970$506$254$124$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 77 starting with $1,810,000, adding $3,149 every year, while hoping to spend $45,137 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: 44/49/7 Blend
76$1,810,000$1,810,000$1,810,000$1,810,000
77$1,997,868$1,901,938$1,873,883$2,081,676
78$2,153,625$1,947,108$1,888,633$2,185,137
79$2,323,757$1,992,978$1,902,364$2,292,309
80$2,509,681$2,039,535$1,914,994$2,407,416
81$2,712,961$2,086,764$1,926,438$2,531,201
82$2,935,314$2,134,647$1,936,605$2,664,482
83$3,178,635$2,183,163$1,945,401$2,808,159
84$3,445,008$2,232,291$1,952,724$2,963,226
85$3,736,729$2,282,003$1,958,470$3,130,773
86$4,056,325$2,332,271$1,962,529$3,312,006
87$4,406,582$2,383,064$1,964,786$3,508,248
88$4,790,565$2,434,346$1,965,118$3,720,959
89$5,211,652$2,486,078$1,963,398$3,951,749
90$5,673,561$2,538,217$1,959,493$4,202,388
91$6,180,391$2,590,716$1,953,262$4,474,830
92$6,736,653$2,643,523$1,944,558$4,771,226
93$7,347,318$2,696,582$1,933,228$5,093,945
94$8,017,862$2,749,832$1,919,109$5,445,600
95$8,754,317$2,803,207$1,902,032$5,829,069
96$9,563,328$2,856,634$1,881,820$6,247,524
97$10,452,213$2,910,036$1,858,287$6,704,461
98$11,429,038$2,963,326$1,831,239$7,203,734
99$12,502,686$3,016,416$1,800,471$7,749,587
100$13,682,945$3,069,205$1,765,772$8,346,701