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%13.6%
1 years$30,141$29,873$29,611$29,355$29,106$28,671
2 years$14,921$14,644$14,374$14,113$13,860$13,423
3 years$9,849$9,570$9,301$9,042$8,793$8,367
4 years$7,313$7,035$6,769$6,515$6,271$5,860
5 years$5,792$5,515$5,253$5,004$4,767$4,372
6 years$4,778$4,504$4,245$4,002$3,772$3,393
7 years$4,054$3,782$3,528$3,290$3,068$2,705
8 years$3,512$3,242$2,992$2,760$2,545$2,199
9 years$3,090$2,823$2,577$2,351$2,143$1,813
10 years$2,753$2,488$2,247$2,026$1,826$1,512
11 years$2,477$2,215$1,978$1,764$1,571$1,272
12 years$2,247$1,988$1,755$1,547$1,361$1,077
13 years$2,053$1,797$1,568$1,366$1,187$918
14 years$1,887$1,633$1,409$1,212$1,040$786
15 years$1,743$1,492$1,272$1,081$916$676
16 years$1,617$1,369$1,153$968$810$583
17 years$1,506$1,261$1,050$870$718$504
18 years$1,408$1,165$958$784$638$437
19 years$1,320$1,080$877$708$569$379
20 years$1,241$1,003$805$641$508$330
21 years$1,169$934$740$582$455$288
22 years$1,104$872$682$529$408$251
23 years$1,045$816$630$482$366$219
24 years$991$764$583$440$329$192
25 years$941$717$540$402$296$168
26 years$895$674$501$367$267$147
27 years$853$634$465$336$240$129
28 years$814$598$432$308$217$113
29 years$777$564$402$282$196$99
30 years$743$533$375$259$177$87
31 years$711$504$349$238$160$76
32 years$682$476$326$219$145$67
33 years$654$451$304$201$131$59
34 years$628$428$284$185$119$52
35 years$603$406$266$170$107$45
36 years$580$385$249$157$97$40
37 years$558$366$233$145$88$35
38 years$537$347$218$133$80$31
39 years$518$330$204$123$73$27
40 years$499$314$191$113$66$24
41 years$481$299$179$105$60$21
42 years$465$285$168$96$54$18
43 years$449$272$158$89$49$16
44 years$434$259$148$82$45$14
45 years$419$247$139$76$40$13
46 years$406$235$131$70$37$11
47 years$392$225$123$65$33$10
48 years$380$215$115$60$30$9
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 $6,164 every year, while hoping to spend $26,188 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: 39/49/12 Blend
44$365,000$365,000$365,000$365,000
45$408,588$389,243$383,586$422,819
46$422,400$380,452$368,572$424,695
47$436,744$370,353$352,178$423,695
48$451,645$358,853$334,329$422,036
49$467,132$345,856$314,948$419,671
50$483,235$331,259$293,955$416,550
51$499,987$314,953$271,264$412,622
52$517,423$296,823$246,789$407,831
53$535,580$276,748$220,437$402,119
54$554,499$254,598$192,111$395,426
55$574,223$230,238$161,711$387,687
56$594,798$203,524$129,133$378,837
57$616,275$174,304$94,267$368,805
58$638,708$142,418$56,997$357,519
59$662,156$107,696$17,206$344,900
60$686,682$69,959$0$330,869
61$712,354$29,018$0$318,577
62$739,248$0$0$307,264
63$767,443$0$0$302,913
64$797,027$0$0$314,779
65$828,094$0$0$327,257
66$860,749$0$0$340,389
67$895,102$0$0$354,222
68$931,275$0$0$368,809
69$969,402$0$0$384,205
70$1,009,626$0$0$400,471
71$1,052,105$0$0$417,674
72$1,097,012$0$0$435,888
73$1,144,533$0$0$455,190
74$1,194,874$0$0$475,669
75$1,248,258$0$0$497,420
76$1,304,929$0$0$520,546
77$1,365,156$0$0$545,161
78$1,429,229$0$0$571,390
79$1,497,471$0$0$599,368
80$1,570,230$0$0$629,246
81$1,647,892$0$0$661,187
82$1,730,876$0$0$695,370
83$1,819,644$0$0$731,992
84$1,914,702$0$0$771,269
85$2,016,603$0$0$813,438
86$2,125,955$0$0$858,758
87$2,243,427$0$0$907,514
88$2,369,751$0$0$960,021
89$2,505,731$0$0$1,016,621
90$2,652,250$0$0$1,077,693
91$2,810,278$0$0$1,143,651
92$2,980,882$0$0$1,214,952
93$3,165,232$0$0$1,292,098
94$3,364,615$0$0$1,375,639
95$3,580,445$0$0$1,466,181
96$3,814,279$0$0$1,564,390
97$4,067,825$0$0$1,670,999
98$4,342,965$0$0$1,786,815
99$4,641,766$0$0$1,912,723
100$4,966,502$0$0$2,049,698