Can I retire at age 45 with 365,000?

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 $365,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.9%
1 years$30,141$29,873$29,611$29,355$29,106$28,754
2 years$14,921$14,644$14,374$14,113$13,860$13,506
3 years$9,849$9,570$9,301$9,042$8,793$8,448
4 years$7,313$7,035$6,769$6,515$6,271$5,938
5 years$5,792$5,515$5,253$5,004$4,767$4,446
6 years$4,778$4,504$4,245$4,002$3,772$3,464
7 years$4,054$3,782$3,528$3,290$3,068$2,772
8 years$3,512$3,242$2,992$2,760$2,545$2,262
9 years$3,090$2,823$2,577$2,351$2,143$1,873
10 years$2,753$2,488$2,247$2,026$1,826$1,569
11 years$2,477$2,215$1,978$1,764$1,571$1,325
12 years$2,247$1,988$1,755$1,547$1,361$1,128
13 years$2,053$1,797$1,568$1,366$1,187$965
14 years$1,887$1,633$1,409$1,212$1,040$830
15 years$1,743$1,492$1,272$1,081$916$717
16 years$1,617$1,369$1,153$968$810$622
17 years$1,506$1,261$1,050$870$718$540
18 years$1,408$1,165$958$784$638$471
19 years$1,320$1,080$877$708$569$411
20 years$1,241$1,003$805$641$508$359
21 years$1,169$934$740$582$455$315
22 years$1,104$872$682$529$408$276
23 years$1,045$816$630$482$366$243
24 years$991$764$583$440$329$213
25 years$941$717$540$402$296$188
26 years$895$674$501$367$267$165
27 years$853$634$465$336$240$146
28 years$814$598$432$308$217$128
29 years$777$564$402$282$196$113
30 years$743$533$375$259$177$100
31 years$711$504$349$238$160$88
32 years$682$476$326$219$145$78
33 years$654$451$304$201$131$69
34 years$628$428$284$185$119$61
35 years$603$406$266$170$107$54
36 years$580$385$249$157$97$48
37 years$558$366$233$145$88$42
38 years$537$347$218$133$80$37
39 years$518$330$204$123$73$33
40 years$499$314$191$113$66$29
41 years$481$299$179$105$60$26
42 years$465$285$168$96$54$23
43 years$449$272$158$89$49$20
44 years$434$259$148$82$45$18
45 years$419$247$139$76$40$16
46 years$406$235$131$70$37$14
47 years$392$225$123$65$33$12
48 years$380$215$115$60$30$11
49 years$368$205$108$55$28$10
50 years$356$196$102$51$25$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $365,000, adding $4,666 every year, while hoping to spend $20,087 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: 68/8/24 Blend
44$365,000$365,000$365,000$365,000
45$407,043$387,698$382,040$431,927
46$427,189$385,323$373,466$446,827
47$448,717$382,158$363,932$460,383
48$471,746$378,144$353,384$474,744
49$496,407$373,216$341,765$489,987
50$522,846$367,309$329,019$506,202
51$551,218$360,349$315,084$523,484
52$581,699$352,263$299,896$541,944
53$614,478$342,969$283,388$561,698
54$649,764$332,384$265,490$582,880
55$687,786$320,417$246,131$605,636
56$728,796$306,973$225,232$630,128
57$773,071$291,953$202,716$656,536
58$820,916$275,250$178,498$685,057
59$872,664$256,752$152,492$715,911
60$928,683$236,340$124,607$749,342
61$989,376$213,888$94,749$785,617
62$1,055,188$189,264$62,819$825,035
63$1,126,607$162,328$28,713$867,923
64$1,204,170$132,931$0$914,646
65$1,288,468$100,917$0$967,572
66$1,380,151$66,121$0$1,033,153
67$1,479,933$28,369$0$1,104,549
68$1,588,602$0$0$1,182,334
69$1,707,024$0$0$1,268,243
70$1,836,150$0$0$1,364,661
71$1,977,030$0$0$1,469,876
72$2,130,819$0$0$1,584,752
73$2,298,785$0$0$1,710,242
74$2,482,329$0$0$1,847,393
75$2,682,990$0$0$1,997,358
76$2,902,464$0$0$2,161,408
77$3,142,617$0$0$2,340,941
78$3,405,505$0$0$2,537,497
79$3,693,390$0$0$2,752,772
80$4,008,767$0$0$2,988,633
81$4,354,380$0$0$3,247,137
82$4,733,252$0$0$3,530,549
83$5,148,713$0$0$3,841,363
84$5,604,429$0$0$4,182,328
85$6,104,442$0$0$4,556,469
86$6,653,198$0$0$4,967,119
87$7,255,600$0$0$5,417,952
88$7,917,047$0$0$5,913,011
89$8,643,484$0$0$6,456,753
90$9,441,462$0$0$7,054,087
91$10,318,200$0$0$7,710,418
92$11,281,646$0$0$8,431,705
93$12,340,561$0$0$9,224,510
94$13,504,592$0$0$10,096,064
95$14,784,371$0$0$11,054,332
96$16,191,611$0$0$12,108,089
97$17,739,215$0$0$13,267,006
98$19,441,400$0$0$14,541,735
99$21,313,831$0$0$15,944,014
100$23,373,766$0$0$17,486,774