Can I retire at age 57 with 335,000?

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 $335,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.1%
1 years$27,664$27,418$27,177$26,943$26,713$26,369
2 years$13,695$13,440$13,193$12,953$12,721$12,374
3 years$9,039$8,783$8,537$8,299$8,071$7,732
4 years$6,712$6,457$6,212$5,979$5,756$5,429
5 years$5,316$5,062$4,821$4,593$4,376$4,061
6 years$4,385$4,134$3,896$3,673$3,462$3,160
7 years$3,721$3,471$3,238$3,020$2,816$2,527
8 years$3,223$2,976$2,746$2,533$2,336$2,059
9 years$2,836$2,591$2,365$2,158$1,967$1,703
10 years$2,526$2,284$2,062$1,860$1,676$1,425
11 years$2,273$2,033$1,815$1,619$1,442$1,202
12 years$2,063$1,825$1,611$1,420$1,249$1,022
13 years$1,884$1,649$1,439$1,253$1,089$873
14 years$1,732$1,499$1,293$1,113$955$750
15 years$1,600$1,369$1,168$992$841$647
16 years$1,484$1,256$1,059$888$743$560
17 years$1,382$1,157$963$798$659$486
18 years$1,292$1,069$879$719$586$423
19 years$1,211$991$805$650$522$369
20 years$1,139$921$739$589$466$322
21 years$1,073$858$680$534$417$282
22 years$1,013$801$626$486$374$247
23 years$959$749$578$442$336$216
24 years$909$702$535$404$302$190
25 years$864$658$495$369$272$167
26 years$822$619$459$337$245$147
27 years$783$582$427$308$221$129
28 years$747$549$397$283$199$114
29 years$713$518$369$259$180$100
30 years$682$489$344$238$162$88
31 years$653$462$320$218$147$78
32 years$625$437$299$201$133$69
33 years$600$414$279$185$120$60
34 years$576$392$261$170$109$53
35 years$553$372$244$156$99$47
36 years$532$353$228$144$89$42
37 years$512$336$214$133$81$37
38 years$493$319$200$122$73$32
39 years$475$303$187$113$67$29
40 years$458$289$176$104$60$25
41 years$442$275$165$96$55$22
42 years$427$262$154$89$50$20
43 years$412$249$145$82$45$17
44 years$398$238$136$75$41$15
45 years$385$227$128$70$37$14
46 years$372$216$120$64$34$12
47 years$360$206$113$59$31$11
48 years$349$197$106$55$28$9
49 years$338$188$100$51$25$8
50 years$327$180$94$47$23$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 57 starting with $335,000, adding $5,128 every year, while hoping to spend $21,706 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: 46/33/21 Blend
56$335,000$335,000$335,000$335,000
57$374,460$356,705$351,512$389,221
58$389,559$351,088$340,193$394,465
59$405,472$344,469$327,767$397,594
60$422,257$336,775$314,174$400,542
61$439,980$327,930$299,352$403,302
62$458,713$317,853$283,235$405,867
63$478,533$306,459$265,754$408,234
64$499,525$293,657$246,838$410,398
65$521,781$279,351$226,413$412,356
66$545,404$263,441$204,399$414,109
67$570,505$245,818$180,715$415,658
68$597,203$226,371$155,276$417,006
69$625,633$204,978$127,993$418,160
70$655,940$181,514$98,773$419,131
71$688,282$155,845$67,518$419,930
72$722,835$127,829$34,128$420,577
73$759,788$97,317$0$421,093
74$799,353$64,152$0$421,843
75$841,758$28,167$0$430,706
76$887,257$0$0$440,095
77$936,124$0$0$454,012
78$988,665$0$0$479,999
79$1,045,212$0$0$507,997
80$1,106,131$0$0$538,190
81$1,171,825$0$0$570,782
82$1,242,735$0$0$605,996
83$1,319,347$0$0$644,077
84$1,402,193$0$0$685,294
85$1,491,860$0$0$729,945
86$1,588,993$0$0$778,354
87$1,694,299$0$0$830,882
88$1,808,558$0$0$887,920
89$1,932,628$0$0$949,904
90$2,067,449$0$0$1,017,309
91$2,214,060$0$0$1,090,661
92$2,373,600$0$0$1,170,537
93$2,547,325$0$0$1,257,572
94$2,736,617$0$0$1,352,466
95$2,942,994$0$0$1,455,987
96$3,168,129$0$0$1,568,983
97$3,413,865$0$0$1,692,385
98$3,682,227$0$0$1,827,221
99$3,975,446$0$0$1,974,619
100$4,295,979$0$0$2,135,825