Can I retire at age 69 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%16.7%
1 years$36,004$35,684$35,371$35,065$34,767$33,817
2 years$17,824$17,492$17,170$16,858$16,556$15,605
3 years$11,765$11,431$11,110$10,801$10,504$9,583
4 years$8,736$8,403$8,085$7,782$7,491$6,607
5 years$6,919$6,588$6,275$5,977$5,695$4,850
6 years$5,708$5,380$5,071$4,780$4,506$3,701
7 years$4,843$4,518$4,214$3,930$3,665$2,899
8 years$4,195$3,873$3,574$3,297$3,040$2,314
9 years$3,691$3,372$3,078$2,808$2,560$1,873
10 years$3,288$2,972$2,684$2,421$2,181$1,533
11 years$2,959$2,646$2,363$2,107$1,876$1,264
12 years$2,684$2,375$2,097$1,848$1,626$1,050
13 years$2,453$2,146$1,873$1,631$1,418$876
14 years$2,254$1,951$1,683$1,448$1,243$734
15 years$2,082$1,782$1,520$1,291$1,094$618
16 years$1,932$1,635$1,378$1,156$967$521
17 years$1,799$1,506$1,254$1,039$858$441
18 years$1,681$1,391$1,144$936$762$374
19 years$1,576$1,290$1,048$846$680$317
20 years$1,482$1,198$962$766$607$270
21 years$1,396$1,116$884$695$543$229
22 years$1,319$1,042$815$632$487$195
23 years$1,248$974$753$576$437$167
24 years$1,184$913$696$525$393$142
25 years$1,124$857$645$480$354$121
26 years$1,069$805$598$439$318$104
27 years$1,019$758$555$401$287$89
28 years$972$714$516$368$259$76
29 years$928$674$480$337$234$65
30 years$888$636$447$310$211$55
31 years$850$601$417$284$191$47
32 years$814$569$389$261$173$41
33 years$781$539$363$240$156$35
34 years$750$511$340$221$142$30
35 years$720$484$317$203$128$25
36 years$692$460$297$187$116$22
37 years$666$437$278$173$105$19
38 years$642$415$260$159$96$16
39 years$618$395$244$147$87$14
40 years$596$376$229$135$79$12
41 years$575$357$214$125$71$10
42 years$555$340$201$115$65$9
43 years$536$324$189$106$59$7
44 years$518$309$177$98$53$6
45 years$501$295$166$91$48$5
46 years$484$281$156$84$44$5
47 years$469$268$147$77$40$4
48 years$454$256$138$72$36$3
49 years$439$245$130$66$33$3
50 years$426$234$122$61$30$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 69 starting with $436,000, adding $3,256 every year, while hoping to spend $25,580 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: 69/5/26 Blend
68$436,000$436,000$436,000$436,000
69$483,831$460,723$453,965$513,771
70$505,964$456,081$441,955$529,624
71$529,498$450,355$428,687$543,723
72$554,549$443,464$414,089$558,559
73$581,242$435,322$398,090$574,204
74$609,717$425,842$380,615$590,739
75$640,126$414,926$361,583$608,254
76$672,635$402,473$340,913$626,848
77$707,428$388,379$318,517$646,630
78$744,704$372,528$294,306$667,724
79$784,684$354,802$268,185$690,265
80$827,608$335,073$240,056$714,403
81$873,742$313,209$209,815$740,304
82$923,375$289,068$177,356$768,154
83$976,827$262,500$142,565$798,158
84$1,034,448$233,347$105,325$830,540
85$1,096,622$201,443$65,515$865,554
86$1,163,774$166,609$23,006$903,476
87$1,236,367$128,661$0$944,615
88$1,314,911$87,401$0$995,514
89$1,399,969$42,620$0$1,057,561
90$1,492,158$0$0$1,124,825
91$1,592,155$0$0$1,198,134
92$1,700,708$0$0$1,280,281
93$1,818,637$0$0$1,369,546
94$1,946,845$0$0$1,466,613
95$2,086,325$0$0$1,572,239
96$2,238,171$0$0$1,687,254
97$2,403,585$0$0$1,812,571
98$2,583,891$0$0$1,949,197
99$2,780,545$0$0$2,098,239
100$2,995,150$0$0$2,260,916