Can I retire at age 45 with 363,000?

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 $363,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.4%
1 years$29,976$29,709$29,449$29,194$28,946$27,853
2 years$14,840$14,563$14,295$14,036$13,784$12,695
3 years$9,795$9,517$9,250$8,993$8,745$7,695
4 years$7,273$6,996$6,732$6,479$6,237$5,234
5 years$5,760$5,485$5,224$4,976$4,741$3,787
6 years$4,752$4,479$4,222$3,980$3,752$2,848
7 years$4,032$3,761$3,508$3,272$3,051$2,197
8 years$3,493$3,224$2,975$2,745$2,531$1,726
9 years$3,073$2,807$2,563$2,338$2,132$1,374
10 years$2,738$2,475$2,234$2,015$1,816$1,105
11 years$2,463$2,203$1,967$1,754$1,562$896
12 years$2,235$1,977$1,746$1,538$1,354$731
13 years$2,042$1,787$1,560$1,358$1,180$599
14 years$1,877$1,624$1,401$1,206$1,035$493
15 years$1,733$1,484$1,265$1,075$911$407
16 years$1,608$1,361$1,147$963$805$336
17 years$1,498$1,254$1,044$865$714$279
18 years$1,400$1,158$953$780$635$232
19 years$1,312$1,074$872$704$566$193
20 years$1,234$998$801$638$505$160
21 years$1,163$929$736$579$452$134
22 years$1,098$867$679$526$405$112
23 years$1,039$811$627$479$364$93
24 years$985$760$580$437$327$78
25 years$936$713$537$399$294$65
26 years$890$670$498$365$265$54
27 years$848$631$462$334$239$45
28 years$809$595$430$306$216$38
29 years$773$561$400$281$195$32
30 years$739$530$372$258$176$27
31 years$707$501$347$237$159$22
32 years$678$474$324$218$144$19
33 years$650$449$303$200$130$16
34 years$624$425$283$184$118$13
35 years$600$403$264$169$107$11
36 years$577$383$247$156$97$9
37 years$555$364$231$144$88$8
38 years$534$346$217$133$80$6
39 years$515$329$203$122$72$5
40 years$496$313$190$113$65$4
41 years$479$298$178$104$59$4
42 years$462$283$167$96$54$3
43 years$446$270$157$89$49$3
44 years$431$257$147$82$44$2
45 years$417$245$138$76$40$2
46 years$403$234$130$70$37$2
47 years$390$223$122$64$33$1
48 years$378$213$115$60$30$1
49 years$366$204$108$55$27$1
50 years$354$195$101$51$25$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $363,000, adding $2,072 every year, while hoping to spend $21,237 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: 53/37/10 Blend
44$363,000$363,000$363,000$363,000
45$402,163$382,924$377,298$422,344
46$420,588$379,092$367,341$432,457
47$440,180$374,359$356,339$440,980
48$461,037$368,661$344,235$449,754
49$483,263$361,926$330,967$458,808
50$506,975$354,080$316,474$468,173
51$532,301$345,044$300,690$477,887
52$559,378$334,733$283,546$487,991
53$588,359$323,060$264,970$498,532
54$619,413$309,931$244,887$509,565
55$652,722$295,247$223,219$521,149
56$688,487$278,901$199,885$533,353
57$726,930$260,785$174,798$546,255
58$768,293$240,779$147,870$559,942
59$812,842$218,760$119,007$574,510
60$860,870$194,598$88,112$590,070
61$912,698$168,152$55,083$606,746
62$968,679$139,278$19,814$624,676
63$1,029,201$107,819$0$644,015
64$1,094,690$73,613$0$666,838
65$1,165,616$36,487$0$693,818
66$1,242,492$0$0$723,069
67$1,325,887$0$0$756,371
68$1,416,422$0$0$808,681
69$1,514,784$0$0$865,545
70$1,621,727$0$0$927,401
71$1,738,079$0$0$994,735
72$1,864,753$0$0$1,068,077
73$2,002,755$0$0$1,148,015
74$2,153,188$0$0$1,235,193
75$2,317,268$0$0$1,330,321
76$2,496,336$0$0$1,434,179
77$2,691,863$0$0$1,547,628
78$2,905,473$0$0$1,671,615
79$3,138,951$0$0$1,807,181
80$3,394,263$0$0$1,955,475
81$3,673,573$0$0$2,117,759
82$3,979,266$0$0$2,295,425
83$4,313,965$0$0$2,490,005
84$4,680,561$0$0$2,703,187
85$5,082,237$0$0$2,936,828
86$5,522,498$0$0$3,192,974
87$6,005,205$0$0$3,473,880
88$6,534,610$0$0$3,782,029
89$7,115,395$0$0$4,120,153
90$7,752,719$0$0$4,491,265
91$8,452,265$0$0$4,898,683
92$9,220,290$0$0$5,346,060
93$10,063,690$0$0$5,837,423
94$10,990,058$0$0$6,377,206
95$12,007,762$0$0$6,970,294
96$13,126,019$0$0$7,622,070
97$14,354,981$0$0$8,338,462
98$15,705,837$0$0$9,126,003
99$17,190,909$0$0$9,991,889
100$18,823,775$0$0$10,944,049