Investment Simulator Can I retire on $7,500 a month with Social Security?
Compare funding a $7,500 monthly U.S. retirement budget entirely from savings versus supplementing Social Security.
For a $7,500 monthly retirement budget in today’s U.S. dollars, funding all spending from investments for 30 years takes about $3,097,495.74 at age 60 under this scenario. A $2,500 monthly Social Security benefit starting at retirement reduces what investments must cover to $5,000 a month.
Compare the portfolio and monthly contribution
The examples use a constant 0.5% monthly return, 2.5% annual inflation, and 0% tax on gains. Contributions are fixed in dollar terms and made at the start of each month. The planner also adjusts monthly withdrawals for inflation. This example starts at age 35 with $100,000 invested. Portfolio targets are in future dollars.
| Income from investments in today’s dollars | Portfolio at 60 | Monthly contribution |
|---|---|---|
| $7,500 | $3,097,495.74 | $3,806.40 |
| $5,000 | $2,064,997.16 | $2,323.90 |
With the full budget funded by investments, retiring at 65 instead gives a monthly contribution of $2,874.86 and a portfolio target of $3,504,532.12 in future dollars. If benefits start after retirement, budget separately for the years when investments cover the full amount.
Open the Investment Simulator retirement planner and enter the monthly gap as your desired income. See the baseline $5,000 retirement scenario for the full input walkthrough.