Can I retire at age 65 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%15.9%
1 years$30,141$29,873$29,611$29,355$29,106$28,402
2 years$14,921$14,644$14,374$14,113$13,860$13,155
3 years$9,849$9,570$9,301$9,042$8,793$8,110
4 years$7,313$7,035$6,769$6,515$6,271$5,614
5 years$5,792$5,515$5,253$5,004$4,767$4,138
6 years$4,778$4,504$4,245$4,002$3,772$3,172
7 years$4,054$3,782$3,528$3,290$3,068$2,496
8 years$3,512$3,242$2,992$2,760$2,545$2,002
9 years$3,090$2,823$2,577$2,351$2,143$1,628
10 years$2,753$2,488$2,247$2,026$1,826$1,339
11 years$2,477$2,215$1,978$1,764$1,571$1,110
12 years$2,247$1,988$1,755$1,547$1,361$926
13 years$2,053$1,797$1,568$1,366$1,187$777
14 years$1,887$1,633$1,409$1,212$1,040$655
15 years$1,743$1,492$1,272$1,081$916$554
16 years$1,617$1,369$1,153$968$810$470
17 years$1,506$1,261$1,050$870$718$400
18 years$1,408$1,165$958$784$638$341
19 years$1,320$1,080$877$708$569$291
20 years$1,241$1,003$805$641$508$249
21 years$1,169$934$740$582$455$213
22 years$1,104$872$682$529$408$183
23 years$1,045$816$630$482$366$157
24 years$991$764$583$440$329$135
25 years$941$717$540$402$296$116
26 years$895$674$501$367$267$100
27 years$853$634$465$336$240$86
28 years$814$598$432$308$217$74
29 years$777$564$402$282$196$63
30 years$743$533$375$259$177$55
31 years$711$504$349$238$160$47
32 years$682$476$326$219$145$41
33 years$654$451$304$201$131$35
34 years$628$428$284$185$119$30
35 years$603$406$266$170$107$26
36 years$580$385$249$157$97$22
37 years$558$366$233$145$88$19
38 years$537$347$218$133$80$17
39 years$518$330$204$123$73$14
40 years$499$314$191$113$66$12
41 years$481$299$179$105$60$11
42 years$465$285$168$96$54$9
43 years$449$272$158$89$49$8
44 years$434$259$148$82$45$7
45 years$419$247$139$76$40$6
46 years$406$235$131$70$37$5
47 years$392$225$123$65$33$4
48 years$380$215$115$60$30$4
49 years$368$205$108$55$28$3
50 years$356$196$102$51$25$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 65 starting with $365,000, adding $6,474 every year, while hoping to spend $25,952 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: 60/10/30 Blend
64$365,000$365,000$365,000$365,000
65$408,908$389,563$383,905$429,756
66$423,004$381,039$369,154$436,220
67$437,668$371,227$353,038$439,956
68$452,930$360,038$335,485$443,500
69$468,824$347,374$316,418$446,839
70$485,384$333,136$295,758$449,962
71$502,649$317,215$273,422$452,857
72$520,659$299,498$249,321$455,512
73$539,458$279,866$223,366$457,915
74$559,094$258,191$195,460$460,054
75$579,618$234,339$165,504$461,920
76$601,086$208,168$133,396$463,502
77$623,558$179,529$99,025$464,789
78$647,098$148,263$62,280$465,775
79$671,777$114,204$23,042$466,450
80$697,672$77,173$0$466,809
81$724,866$36,985$0$472,876
82$753,448$0$0$486,884
83$783,517$0$0$502,211
84$815,179$0$0$522,647
85$848,550$0$0$544,197
86$883,758$0$0$566,945
87$920,940$0$0$590,982
88$960,245$0$0$616,405
89$1,001,839$0$0$643,324
90$1,045,901$0$0$671,857
91$1,092,626$0$0$702,131
92$1,142,228$0$0$734,288
93$1,194,941$0$0$768,482
94$1,251,022$0$0$804,882
95$1,310,750$0$0$843,671
96$1,374,432$0$0$885,054
97$1,442,405$0$0$929,250
98$1,515,035$0$0$976,503
99$1,592,728$0$0$1,027,078
100$1,675,924$0$0$1,081,267