Can I retire at age 65 with 525,000?

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 $525,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.4%
1 years$43,354$42,968$42,591$42,223$41,864$41,618
2 years$21,462$21,063$20,675$20,300$19,935$19,687
3 years$14,166$13,765$13,378$13,006$12,648$12,405
4 years$10,519$10,118$9,736$9,370$9,021$8,785
5 years$8,331$7,933$7,556$7,197$6,857$6,630
6 years$6,873$6,478$6,106$5,756$5,426$5,207
7 years$5,832$5,440$5,074$4,732$4,413$4,202
8 years$5,051$4,663$4,303$3,970$3,661$3,458
9 years$4,444$4,060$3,706$3,381$3,083$2,889
10 years$3,959$3,579$3,231$2,915$2,627$2,441
11 years$3,563$3,186$2,845$2,537$2,259$2,082
12 years$3,232$2,860$2,525$2,225$1,958$1,788
13 years$2,953$2,584$2,256$1,964$1,707$1,546
14 years$2,714$2,349$2,027$1,744$1,496$1,343
15 years$2,507$2,146$1,830$1,555$1,318$1,172
16 years$2,326$1,969$1,659$1,392$1,165$1,026
17 years$2,166$1,813$1,510$1,251$1,033$901
18 years$2,025$1,675$1,378$1,127$918$793
19 years$1,898$1,553$1,262$1,019$818$700
20 years$1,784$1,443$1,158$923$731$619
21 years$1,681$1,344$1,065$837$654$548
22 years$1,588$1,255$982$761$586$487
23 years$1,503$1,173$906$693$526$432
24 years$1,425$1,099$838$632$473$384
25 years$1,354$1,032$776$578$426$342
26 years$1,288$970$720$528$383$305
27 years$1,227$913$669$483$346$272
28 years$1,170$860$622$443$312$243
29 years$1,118$811$578$406$282$217
30 years$1,069$766$539$373$255$194
31 years$1,023$724$502$342$230$173
32 years$980$685$469$315$208$155
33 years$940$649$438$289$188$139
34 years$903$615$409$266$171$124
35 years$867$583$382$245$154$111
36 years$834$554$358$226$140$99
37 years$802$526$335$208$127$89
38 years$773$500$313$192$115$80
39 years$744$475$294$177$104$71
40 years$718$452$275$163$95$64
41 years$692$430$258$150$86$57
42 years$668$410$242$139$78$51
43 years$646$391$227$128$71$46
44 years$624$372$213$118$64$41
45 years$603$355$200$109$58$37
46 years$583$339$188$101$53$33
47 years$564$323$177$93$48$30
48 years$546$309$166$86$44$27
49 years$529$295$156$80$40$24
50 years$513$281$147$74$36$22

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 65 starting with $525,000, adding $3,830 every year, while hoping to spend $37,273 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: 41/30/29 Blend
64$525,000$525,000$525,000$525,000
65$582,501$554,676$546,538$601,286
66$602,258$542,197$525,189$602,775
67$622,780$527,857$501,875$600,630
68$644,108$511,526$476,492$597,605
69$666,282$493,065$448,930$593,641
70$689,346$472,329$419,072$588,679
71$713,349$449,163$386,801$582,654
72$738,342$423,403$351,990$575,503
73$764,379$394,876$314,507$567,155
74$791,519$363,398$274,217$557,539
75$819,827$328,778$230,976$546,580
76$849,371$290,809$184,635$534,200
77$880,224$249,277$135,039$520,318
78$912,468$203,952$82,023$504,850
79$946,188$154,594$25,419$487,707
80$981,478$100,948$0$468,800
81$1,018,439$42,745$0$458,859
82$1,057,181$0$0$456,059
83$1,097,823$0$0$459,186
84$1,140,493$0$0$477,305
85$1,185,333$0$0$496,368
86$1,232,495$0$0$516,442
87$1,282,144$0$0$537,601
88$1,334,461$0$0$559,925
89$1,389,644$0$0$583,503
90$1,447,905$0$0$608,429
91$1,509,479$0$0$634,808
92$1,574,622$0$0$662,754
93$1,643,610$0$0$692,390
94$1,716,750$0$0$723,854
95$1,794,373$0$0$757,294
96$1,876,843$0$0$792,872
97$1,964,557$0$0$830,767
98$2,057,950$0$0$871,173
99$2,157,500$0$0$914,304
100$2,263,727$0$0$960,393