Can I retire at age 65 with 327,000?

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 $327,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17%
1 years$27,003$26,763$26,528$26,299$26,075$25,332
2 years$13,368$13,119$12,878$12,644$12,417$11,674
3 years$8,823$8,573$8,333$8,101$7,878$7,158
4 years$6,552$6,302$6,064$5,836$5,618$4,928
5 years$5,189$4,941$4,706$4,483$4,271$3,611
6 years$4,281$4,035$3,803$3,585$3,380$2,751
7 years$3,632$3,388$3,160$2,947$2,748$2,152
8 years$3,146$2,905$2,680$2,473$2,280$1,715
9 years$2,768$2,529$2,309$2,106$1,920$1,385
10 years$2,466$2,229$2,013$1,815$1,636$1,131
11 years$2,219$1,984$1,772$1,580$1,407$931
12 years$2,013$1,781$1,573$1,386$1,219$772
13 years$1,839$1,610$1,405$1,223$1,063$643
14 years$1,690$1,463$1,262$1,086$932$538
15 years$1,561$1,337$1,140$969$821$451
16 years$1,449$1,226$1,033$867$725$380
17 years$1,349$1,129$940$779$643$321
18 years$1,261$1,044$858$702$572$271
19 years$1,182$967$786$635$510$230
20 years$1,111$899$721$575$455$195
21 years$1,047$837$663$522$407$165
22 years$989$781$611$474$365$141
23 years$936$731$564$432$328$120
24 years$888$685$522$394$295$102
25 years$843$643$484$360$265$87
26 years$802$604$448$329$239$74
27 years$764$568$416$301$215$63
28 years$729$536$387$276$194$54
29 years$696$505$360$253$175$46
30 years$666$477$336$232$159$39
31 years$637$451$313$213$143$33
32 years$611$427$292$196$130$29
33 years$586$404$273$180$117$24
34 years$562$383$255$166$106$21
35 years$540$363$238$153$96$18
36 years$519$345$223$141$87$15
37 years$500$328$208$130$79$13
38 years$481$311$195$119$72$11
39 years$464$296$183$110$65$9
40 years$447$282$171$102$59$8
41 years$431$268$161$94$53$7
42 years$416$255$151$86$49$6
43 years$402$243$141$80$44$5
44 years$389$232$133$74$40$4
45 years$376$221$125$68$36$4
46 years$363$211$117$63$33$3
47 years$352$201$110$58$30$3
48 years$340$192$103$54$27$2
49 years$330$184$97$50$25$2
50 years$319$175$91$46$22$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 65 starting with $327,000, adding $3,677 every year, while hoping to spend $22,701 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: 70/14/16 Blend
64$327,000$327,000$327,000$327,000
65$364,147$346,816$341,747$388,030
66$377,136$339,656$329,042$397,235
67$390,689$331,385$315,151$404,242
68$404,840$321,923$300,009$411,330
69$419,625$311,189$283,550$418,505
70$435,083$299,093$265,705$425,771
71$451,256$285,543$246,401$433,138
72$468,191$270,441$225,562$440,611
73$485,936$253,683$203,108$448,202
74$504,546$235,158$178,957$455,923
75$524,079$214,750$153,021$463,787
76$544,599$192,336$125,211$471,809
77$566,174$167,787$95,432$480,010
78$588,880$140,964$63,585$488,409
79$612,798$111,724$29,567$497,032
80$638,017$79,912$0$505,907
81$664,633$45,366$0$516,217
82$692,753$7,916$0$532,310
83$722,492$0$0$549,195
84$753,975$0$0$571,967
85$787,339$0$0$597,400
86$822,735$0$0$624,391
87$860,327$0$0$653,066
88$900,293$0$0$683,562
89$942,831$0$0$716,032
90$988,156$0$0$750,640
91$1,036,501$0$0$787,568
92$1,088,126$0$0$827,014
93$1,143,312$0$0$869,195
94$1,202,370$0$0$914,350
95$1,265,639$0$0$962,741
96$1,333,490$0$0$1,014,654
97$1,406,334$0$0$1,070,404
98$1,484,617$0$0$1,130,337
99$1,568,833$0$0$1,194,832
100$1,659,521$0$0$1,264,305