Can I retire at 65 with $750,000?

On these numbers, not comfortably. Spending $60,000 a year, this plan lasted in 51% of 2,000 simulated futures.

It depends most on what you spend

In most simulated futures this plan ran out before the plan did. That is worth knowing early, while there are still options, rather than late. It also does not mean retirement is off the table — it means retirement at this age, on this portfolio, at this level of spending is a stretch, and one of those three has room in it. The most common fix is not saving dramatically more; it is some combination of a later date and a lower spending floor.

The 2-year gap before Social Security

Retiring at 65 means 2 years of living entirely off the portfolio before Social Security begins at 67. Those are the most expensive years in the whole plan: you are drawing at full rate with no other income, and any market drop during them does damage that later gains cannot fully undo. This is most of why retiring early is harder than it looks.

What would change this

• A later retirement date, which is usually the single most powerful lever available.
• A lower spending floor, which is the second most powerful and often more achievable than it sounds.
• Delaying Social Security to raise the inflation-adjusted income that lasts as long as you do.
• Part-time income in the early years, which relieves exactly the drawdown that does the damage.

What we assumed

• You stop working at 65 — no further income or saving.
• $2,000 a month in Social Security from age 67.
• 7% average return with 15% volatility, and 3% average inflation.
• 2,000 simulated paths, each running to age 90.

Every one of those is an assumption, and the methodology page explains what the model does not capture — including long-term care and your actual tax situation. Computed 2026-08-20.

← Every age and portfolio combination