Can I retire at age 65 with 436,000?

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 $436,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.6%
1 years$36,004$35,684$35,371$35,065$34,767$33,560
2 years$17,824$17,492$17,170$16,858$16,556$15,352
3 years$11,765$11,431$11,110$10,801$10,504$9,342
4 years$8,736$8,403$8,085$7,782$7,491$6,379
5 years$6,919$6,588$6,275$5,977$5,695$4,636
6 years$5,708$5,380$5,071$4,780$4,506$3,501
7 years$4,843$4,518$4,214$3,930$3,665$2,713
8 years$4,195$3,873$3,574$3,297$3,040$2,142
9 years$3,691$3,372$3,078$2,808$2,560$1,714
10 years$3,288$2,972$2,684$2,421$2,181$1,385
11 years$2,959$2,646$2,363$2,107$1,876$1,129
12 years$2,684$2,375$2,097$1,848$1,626$925
13 years$2,453$2,146$1,873$1,631$1,418$763
14 years$2,254$1,951$1,683$1,448$1,243$631
15 years$2,082$1,782$1,520$1,291$1,094$524
16 years$1,932$1,635$1,378$1,156$967$436
17 years$1,799$1,506$1,254$1,039$858$363
18 years$1,681$1,391$1,144$936$762$304
19 years$1,576$1,290$1,048$846$680$254
20 years$1,482$1,198$962$766$607$213
21 years$1,396$1,116$884$695$543$179
22 years$1,319$1,042$815$632$487$150
23 years$1,248$974$753$576$437$126
24 years$1,184$913$696$525$393$106
25 years$1,124$857$645$480$354$89
26 years$1,069$805$598$439$318$75
27 years$1,019$758$555$401$287$63
28 years$972$714$516$368$259$53
29 years$928$674$480$337$234$45
30 years$888$636$447$310$211$38
31 years$850$601$417$284$191$32
32 years$814$569$389$261$173$27
33 years$781$539$363$240$156$22
34 years$750$511$340$221$142$19
35 years$720$484$317$203$128$16
36 years$692$460$297$187$116$13
37 years$666$437$278$173$105$11
38 years$642$415$260$159$96$10
39 years$618$395$244$147$87$8
40 years$596$376$229$135$79$7
41 years$575$357$214$125$71$6
42 years$555$340$201$115$65$5
43 years$536$324$189$106$59$4
44 years$518$309$177$98$53$3
45 years$501$295$166$91$48$3
46 years$484$281$156$84$44$2
47 years$469$268$147$77$40$2
48 years$454$256$138$72$36$2
49 years$439$245$130$66$33$1
50 years$426$234$122$61$30$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 65 starting with $436,000, adding $5,930 every year, while hoping to spend $22,754 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: 61/11/28 Blend
64$436,000$436,000$436,000$436,000
65$486,589$463,481$456,723$512,271
66$512,011$461,981$447,813$528,944
67$539,263$459,646$437,842$544,167
68$568,509$456,409$426,750$560,304
69$599,926$452,202$414,476$577,448
70$633,711$446,952$400,953$595,705
71$670,078$440,582$386,114$615,189
72$709,264$433,009$369,887$636,030
73$751,529$424,146$352,198$658,370
74$797,157$413,902$332,969$682,368
75$846,462$402,178$312,118$708,201
76$899,788$388,871$289,561$736,062
77$957,513$373,873$265,208$766,168
78$1,020,054$357,066$238,967$798,759
79$1,087,867$338,330$210,740$834,099
80$1,161,456$317,535$180,426$872,483
81$1,241,373$294,543$147,919$914,236
82$1,328,228$269,211$113,109$959,719
83$1,422,689$241,384$75,880$1,009,330
84$1,525,494$210,902$36,112$1,063,511
85$1,637,451$177,593$0$1,122,751
86$1,759,454$141,278$0$1,189,481
87$1,892,483$101,765$0$1,274,045
88$2,037,618$58,853$0$1,366,345
89$2,196,048$12,330$0$1,467,156
90$2,369,081$0$0$1,577,332
91$2,558,159$0$0$1,702,415
92$2,764,866$0$0$1,840,825
93$2,990,950$0$0$1,992,243
94$3,238,333$0$0$2,157,961
95$3,509,131$0$0$2,339,401
96$3,805,675$0$0$2,538,130
97$4,130,534$0$0$2,755,872
98$4,486,534$0$0$2,994,529
99$4,876,788$0$0$3,256,191
100$5,304,726$0$0$3,543,164