Can I retire at age 51 with 325,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $325,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.1%
1 years$26,838$26,599$26,366$26,138$25,916$24,967
2 years$13,286$13,039$12,799$12,566$12,341$11,395
3 years$8,770$8,521$8,282$8,051$7,830$6,917
4 years$6,512$6,264$6,027$5,801$5,584$4,712
5 years$5,157$4,911$4,677$4,455$4,245$3,415
6 years$4,255$4,010$3,780$3,563$3,359$2,572
7 years$3,610$3,368$3,141$2,929$2,732$1,988
8 years$3,127$2,887$2,664$2,457$2,266$1,564
9 years$2,751$2,513$2,294$2,093$1,908$1,248
10 years$2,451$2,215$2,000$1,804$1,626$1,005
11 years$2,206$1,972$1,761$1,570$1,399$817
12 years$2,001$1,770$1,563$1,377$1,212$667
13 years$1,828$1,600$1,396$1,216$1,057$548
14 years$1,680$1,454$1,255$1,079$926$452
15 years$1,552$1,328$1,133$963$816$374
16 years$1,440$1,219$1,027$862$721$310
17 years$1,341$1,122$935$774$639$257
18 years$1,253$1,037$853$698$568$214
19 years$1,175$961$781$631$507$179
20 years$1,105$893$717$571$452$149
21 years$1,041$832$659$518$405$125
22 years$983$777$608$471$363$104
23 years$930$726$561$429$326$87
24 years$882$681$519$391$293$73
25 years$838$639$481$358$264$61
26 years$797$600$446$327$237$51
27 years$759$565$414$299$214$43
28 years$724$532$385$274$193$36
29 years$692$502$358$251$174$30
30 years$662$474$333$231$158$25
31 years$633$448$311$212$142$21
32 years$607$424$290$195$129$18
33 years$582$402$271$179$117$15
34 years$559$381$253$165$106$13
35 years$537$361$237$152$96$11
36 years$516$343$221$140$87$9
37 years$497$326$207$129$79$7
38 years$478$309$194$119$71$6
39 years$461$294$182$109$65$5
40 years$444$280$170$101$59$4
41 years$429$266$160$93$53$4
42 years$414$254$150$86$48$3
43 years$400$242$141$79$44$3
44 years$386$230$132$73$40$2
45 years$373$220$124$68$36$2
46 years$361$210$116$62$33$2
47 years$349$200$109$58$30$1
48 years$338$191$103$53$27$1
49 years$328$182$97$49$25$1
50 years$317$174$91$46$22$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 51 starting with $325,000, adding $6,584 every year, while hoping to spend $21,902 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: 49/33/18 Blend
50$325,000$325,000$325,000$325,000
51$364,941$347,716$342,679$380,688
52$378,862$341,451$330,855$386,009
53$393,468$334,144$317,901$389,010
54$408,807$325,723$303,756$391,800
55$424,930$316,107$288,356$394,369
56$441,891$305,215$271,634$396,705
57$459,751$292,958$253,522$398,797
58$478,576$279,243$233,945$400,634
59$498,437$263,972$212,828$402,208
60$519,412$247,041$190,092$403,509
61$541,585$228,339$165,653$404,529
62$565,050$207,751$139,426$405,264
63$589,907$185,153$111,318$405,706
64$616,266$160,414$81,237$405,855
65$644,250$133,399$49,083$405,709
66$673,989$103,961$14,753$405,270
67$705,629$71,948$0$404,543
68$739,327$37,197$0$407,740
69$775,256$0$0$413,968
70$813,606$0$0$420,596
71$854,586$0$0$442,134
72$898,421$0$0$465,196
73$945,364$0$0$489,916
74$995,686$0$0$516,441
75$1,049,689$0$0$544,934
76$1,107,702$0$0$575,571
77$1,170,088$0$0$608,547
78$1,237,242$0$0$644,076
79$1,309,603$0$0$682,393
80$1,387,648$0$0$723,755
81$1,471,904$0$0$768,447
82$1,562,951$0$0$816,780
83$1,661,422$0$0$869,097
84$1,768,018$0$0$925,774
85$1,883,507$0$0$987,224
86$2,008,732$0$0$1,053,903
87$2,144,623$0$0$1,126,313
88$2,292,202$0$0$1,205,002
89$2,452,592$0$0$1,290,578
90$2,627,029$0$0$1,383,707
91$2,816,873$0$0$1,485,122
92$3,023,621$0$0$1,595,629
93$3,248,918$0$0$1,716,118
94$3,494,579$0$0$1,847,565
95$3,762,596$0$0$1,991,047
96$4,055,165$0$0$2,147,747
97$4,374,703$0$0$2,318,970
98$4,723,870$0$0$2,506,149
99$5,105,596$0$0$2,710,867
100$5,523,103$0$0$2,934,862