Can I retire at age 75 with 1,730,000?

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 $1,730,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.1%
1 years$142,862$141,589$140,348$139,136$137,953$137,314
2 years$70,724$69,406$68,130$66,892$65,692$65,047
3 years$46,681$45,358$44,085$42,859$41,678$41,046
4 years$34,662$33,343$32,082$30,877$29,725$29,113
5 years$27,452$26,141$24,897$23,717$22,596$22,005
6 years$22,647$21,346$20,121$18,966$17,880$17,309
7 years$19,217$17,927$16,720$15,593$14,541$13,992
8 years$16,645$15,366$14,180$13,081$12,063$11,536
9 years$14,646$13,379$12,213$11,142$10,159$9,654
10 years$13,047$11,793$10,648$9,604$8,656$8,172
11 years$11,740$10,499$9,374$8,359$7,444$6,982
12 years$10,652$9,423$8,319$7,332$6,451$6,009
13 years$9,732$8,516$7,433$6,473$5,626$5,204
14 years$8,943$7,741$6,678$5,746$4,931$4,529
15 years$8,261$7,071$6,030$5,124$4,342$3,959
16 years$7,665$6,488$5,467$4,588$3,837$3,474
17 years$7,139$5,975$4,975$4,123$3,402$3,057
18 years$6,672$5,521$4,541$3,715$3,025$2,697
19 years$6,255$5,117$4,157$3,357$2,697$2,386
20 years$5,880$4,755$3,815$3,040$2,409$2,114
21 years$5,541$4,429$3,509$2,759$2,155$1,877
22 years$5,233$4,134$3,234$2,509$1,932$1,669
23 years$4,953$3,867$2,986$2,285$1,734$1,486
24 years$4,696$3,623$2,762$2,084$1,559$1,325
25 years$4,460$3,400$2,558$1,903$1,403$1,182
26 years$4,243$3,195$2,372$1,740$1,264$1,056
27 years$4,042$3,007$2,203$1,593$1,139$944
28 years$3,856$2,834$2,048$1,459$1,028$844
29 years$3,683$2,673$1,906$1,338$928$756
30 years$3,522$2,525$1,775$1,228$839$677
31 years$3,371$2,387$1,655$1,128$758$607
32 years$3,230$2,258$1,544$1,037$686$544
33 years$3,098$2,139$1,442$953$621$488
34 years$2,974$2,027$1,347$877$562$438
35 years$2,858$1,922$1,259$807$509$393
36 years$2,748$1,825$1,178$744$461$353
37 years$2,644$1,733$1,103$685$418$317
38 years$2,546$1,647$1,033$632$379$284
39 years$2,453$1,566$968$582$344$256
40 years$2,365$1,490$907$537$312$230
41 years$2,282$1,418$850$496$283$206
42 years$2,203$1,351$798$457$257$185
43 years$2,127$1,287$748$422$233$167
44 years$2,055$1,227$703$390$211$150
45 years$1,987$1,170$660$360$192$135
46 years$1,922$1,116$620$333$174$121
47 years$1,860$1,065$582$307$158$109
48 years$1,800$1,017$547$284$144$98
49 years$1,743$971$514$262$130$88
50 years$1,689$927$483$242$119$79

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 75 starting with $1,730,000, adding $2,022 every year, while hoping to spend $34,635 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: 67/20/13 Blend
74$1,730,000$1,730,000$1,730,000$1,730,000
75$1,908,546$1,816,856$1,790,041$2,030,661
76$2,066,366$1,869,030$1,813,156$2,164,450
77$2,239,123$1,922,601$1,835,884$2,306,392
78$2,428,304$1,977,598$1,858,177$2,460,704
79$2,635,546$2,034,056$1,879,981$2,628,596
80$2,862,654$2,092,006$1,901,242$2,811,397
81$3,111,611$2,151,482$1,921,900$3,010,575
82$3,384,607$2,212,516$1,941,896$3,227,742
83$3,684,051$2,275,143$1,961,163$3,464,676
84$4,012,595$2,339,396$1,979,633$3,723,334
85$4,373,163$2,405,309$1,997,234$4,005,872
86$4,768,975$2,472,918$2,013,890$4,314,665
87$5,203,576$2,542,257$2,029,521$4,652,326
88$5,680,874$2,613,361$2,044,043$5,021,738
89$6,205,172$2,686,265$2,057,368$5,426,072
90$6,781,211$2,761,004$2,069,401$5,868,825
91$7,414,215$2,837,612$2,080,046$6,353,848
92$8,109,936$2,916,127$2,089,199$6,885,381
93$8,874,714$2,996,582$2,096,752$7,468,099
94$9,715,533$3,079,012$2,102,591$8,107,149
95$10,640,086$3,163,453$2,106,597$8,808,206
96$11,656,852$3,249,939$2,108,645$9,577,517
97$12,775,169$3,338,504$2,108,602$10,421,968
98$14,005,328$3,429,182$2,106,332$11,349,147
99$15,358,666$3,522,007$2,101,690$12,367,411
100$16,847,676$3,617,012$2,094,522$13,485,971