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%13.3%
1 years$30,141$29,873$29,611$29,355$29,106$28,706
2 years$14,921$14,644$14,374$14,113$13,860$13,458
3 years$9,849$9,570$9,301$9,042$8,793$8,402
4 years$7,313$7,035$6,769$6,515$6,271$5,893
5 years$5,792$5,515$5,253$5,004$4,767$4,403
6 years$4,778$4,504$4,245$4,002$3,772$3,423
7 years$4,054$3,782$3,528$3,290$3,068$2,734
8 years$3,512$3,242$2,992$2,760$2,545$2,226
9 years$3,090$2,823$2,577$2,351$2,143$1,839
10 years$2,753$2,488$2,247$2,026$1,826$1,536
11 years$2,477$2,215$1,978$1,764$1,571$1,294
12 years$2,247$1,988$1,755$1,547$1,361$1,099
13 years$2,053$1,797$1,568$1,366$1,187$938
14 years$1,887$1,633$1,409$1,212$1,040$805
15 years$1,743$1,492$1,272$1,081$916$693
16 years$1,617$1,369$1,153$968$810$599
17 years$1,506$1,261$1,050$870$718$519
18 years$1,408$1,165$958$784$638$451
19 years$1,320$1,080$877$708$569$393
20 years$1,241$1,003$805$641$508$342
21 years$1,169$934$740$582$455$299
22 years$1,104$872$682$529$408$262
23 years$1,045$816$630$482$366$229
24 years$991$764$583$440$329$201
25 years$941$717$540$402$296$176
26 years$895$674$501$367$267$155
27 years$853$634$465$336$240$136
28 years$814$598$432$308$217$119
29 years$777$564$402$282$196$105
30 years$743$533$375$259$177$92
31 years$711$504$349$238$160$81
32 years$682$476$326$219$145$72
33 years$654$451$304$201$131$63
34 years$628$428$284$185$119$55
35 years$603$406$266$170$107$49
36 years$580$385$249$157$97$43
37 years$558$366$233$145$88$38
38 years$537$347$218$133$80$33
39 years$518$330$204$123$73$30
40 years$499$314$191$113$66$26
41 years$481$299$179$105$60$23
42 years$465$285$168$96$54$20
43 years$449$272$158$89$49$18
44 years$434$259$148$82$45$16
45 years$419$247$139$76$40$14
46 years$406$235$131$70$37$12
47 years$392$225$123$65$33$11
48 years$380$215$115$60$30$10
49 years$368$205$108$55$28$8
50 years$356$196$102$51$25$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $365,000, adding $6,845 every year, while hoping to spend $25,778 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: 44/46/10 Blend
44$365,000$365,000$365,000$365,000
45$409,291$389,946$384,288$425,838
46$423,611$381,625$369,734$429,703
47$438,527$372,033$353,829$430,725
48$454,074$361,080$336,499$431,250
49$470,288$348,671$317,670$431,243
50$487,207$334,706$297,262$430,665
51$504,874$319,078$275,192$429,479
52$523,334$301,676$251,373$427,642
53$542,636$282,380$225,717$425,113
54$562,834$261,065$198,127$421,845
55$583,984$237,599$168,505$417,794
56$606,150$211,841$136,750$412,912
57$629,398$183,642$102,752$407,147
58$653,803$152,846$66,400$400,449
59$679,443$119,288$27,577$392,765
60$706,406$82,793$0$384,039
61$734,785$43,175$0$375,693
62$764,683$241$0$369,428
63$796,211$0$0$362,252
64$829,492$0$0$377,513
65$864,657$0$0$393,786
66$901,852$0$0$411,019
67$941,234$0$0$429,287
68$982,977$0$0$448,673
69$1,027,267$0$0$469,268
70$1,074,312$0$0$491,171
71$1,124,337$0$0$514,490
72$1,177,588$0$0$539,344
73$1,234,336$0$0$565,864
74$1,294,876$0$0$594,190
75$1,359,532$0$0$624,480
76$1,428,660$0$0$656,905
77$1,502,647$0$0$691,651
78$1,581,922$0$0$728,926
79$1,666,953$0$0$768,955
80$1,758,251$0$0$811,985
81$1,856,383$0$0$858,290
82$1,961,966$0$0$908,167
83$2,075,679$0$0$961,945
84$2,198,269$0$0$1,019,985
85$2,330,556$0$0$1,082,682
86$2,473,441$0$0$1,150,472
87$2,627,912$0$0$1,223,833
88$2,795,058$0$0$1,303,292
89$2,976,074$0$0$1,389,426
90$3,172,276$0$0$1,482,871
91$3,385,109$0$0$1,584,327
92$3,616,162$0$0$1,694,563
93$3,867,184$0$0$1,814,426
94$4,140,099$0$0$1,944,845
95$4,437,023$0$0$2,086,845
96$4,760,285$0$0$2,241,554
97$5,112,445$0$0$2,410,211
98$5,496,324$0$0$2,594,182
99$5,915,025$0$0$2,794,969
100$6,371,962$0$0$3,014,226