Can I retire at age 75 with 367,000?

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 $367,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11%
1 years$30,307$30,037$29,773$29,516$29,265$29,142
2 years$15,003$14,724$14,453$14,190$13,936$13,811
3 years$9,903$9,622$9,352$9,092$8,841$8,720
4 years$7,353$7,073$6,806$6,550$6,306$6,188
5 years$5,824$5,546$5,282$5,031$4,794$4,679
6 years$4,804$4,528$4,268$4,024$3,793$3,683
7 years$4,077$3,803$3,547$3,308$3,085$2,979
8 years$3,531$3,260$3,008$2,775$2,559$2,457
9 years$3,107$2,838$2,591$2,364$2,155$2,057
10 years$2,768$2,502$2,259$2,037$1,836$1,743
11 years$2,491$2,227$1,989$1,773$1,579$1,490
12 years$2,260$1,999$1,765$1,555$1,369$1,283
13 years$2,064$1,807$1,577$1,373$1,193$1,112
14 years$1,897$1,642$1,417$1,219$1,046$968
15 years$1,752$1,500$1,279$1,087$921$847
16 years$1,626$1,376$1,160$973$814$744
17 years$1,514$1,267$1,055$875$722$655
18 years$1,415$1,171$963$788$642$578
19 years$1,327$1,085$882$712$572$512
20 years$1,247$1,009$809$645$511$454
21 years$1,175$940$744$585$457$403
22 years$1,110$877$686$532$410$359
23 years$1,051$820$634$485$368$320
24 years$996$769$586$442$331$285
25 years$946$721$543$404$298$255
26 years$900$678$503$369$268$228
27 years$857$638$467$338$242$204
28 years$818$601$434$310$218$182
29 years$781$567$404$284$197$163
30 years$747$536$377$261$178$146
31 years$715$506$351$239$161$131
32 years$685$479$328$220$145$118
33 years$657$454$306$202$132$106
34 years$631$430$286$186$119$95
35 years$606$408$267$171$108$85
36 years$583$387$250$158$98$77
37 years$561$368$234$145$89$69
38 years$540$349$219$134$80$62
39 years$520$332$205$124$73$56
40 years$502$316$192$114$66$50
41 years$484$301$180$105$60$45
42 years$467$287$169$97$54$41
43 years$451$273$159$90$49$36
44 years$436$260$149$83$45$33
45 years$422$248$140$76$41$30
46 years$408$237$131$71$37$27
47 years$395$226$123$65$34$24
48 years$382$216$116$60$30$22
49 years$370$206$109$56$28$19
50 years$358$197$103$51$25$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 75 starting with $367,000, adding $4,808 every year, while hoping to spend $26,445 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: 48/25/27 Blend
74$367,000$367,000$367,000$367,000
75$409,393$389,942$384,254$425,691
76$423,014$380,912$368,989$428,593
77$437,138$370,553$352,327$428,760
78$451,788$358,773$334,192$428,424
79$466,990$345,472$314,506$427,550
80$482,769$330,546$293,189$426,102
81$499,155$313,886$270,153$424,043
82$516,177$295,374$245,312$421,333
83$533,867$274,888$218,570$417,931
84$552,260$252,297$189,831$413,793
85$571,394$227,463$158,994$408,876
86$591,308$200,240$125,952$403,133
87$612,044$170,474$90,594$396,514
88$633,649$138,004$52,805$388,970
89$656,172$102,656$12,464$380,447
90$679,665$64,250$0$370,891
91$704,187$22,594$0$369,057
92$729,798$0$0$370,480
93$756,566$0$0$377,738
94$784,562$0$0$391,839
95$813,865$0$0$406,610
96$844,560$0$0$422,094
97$876,737$0$0$438,338
98$910,496$0$0$455,394
99$945,945$0$0$473,319
100$983,202$0$0$492,174