Can I retire at age 45 with 325,000?

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 $325,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.6%
1 years$26,838$26,599$26,366$26,138$25,916$25,320
2 years$13,286$13,039$12,799$12,566$12,341$11,744
3 years$8,770$8,521$8,282$8,051$7,830$7,250
4 years$6,512$6,264$6,027$5,801$5,584$5,027
5 years$5,157$4,911$4,677$4,455$4,245$3,711
6 years$4,255$4,010$3,780$3,563$3,359$2,849
7 years$3,610$3,368$3,141$2,929$2,732$2,246
8 years$3,127$2,887$2,664$2,457$2,266$1,804
9 years$2,751$2,513$2,294$2,093$1,908$1,470
10 years$2,451$2,215$2,000$1,804$1,626$1,211
11 years$2,206$1,972$1,761$1,570$1,399$1,006
12 years$2,001$1,770$1,563$1,377$1,212$841
13 years$1,828$1,600$1,396$1,216$1,057$707
14 years$1,680$1,454$1,255$1,079$926$598
15 years$1,552$1,328$1,133$963$816$507
16 years$1,440$1,219$1,027$862$721$431
17 years$1,341$1,122$935$774$639$367
18 years$1,253$1,037$853$698$568$314
19 years$1,175$961$781$631$507$269
20 years$1,105$893$717$571$452$230
21 years$1,041$832$659$518$405$198
22 years$983$777$608$471$363$170
23 years$930$726$561$429$326$146
24 years$882$681$519$391$293$126
25 years$838$639$481$358$264$108
26 years$797$600$446$327$237$93
27 years$759$565$414$299$214$80
28 years$724$532$385$274$193$69
29 years$692$502$358$251$174$60
30 years$662$474$333$231$158$52
31 years$633$448$311$212$142$45
32 years$607$424$290$195$129$39
33 years$582$402$271$179$117$33
34 years$559$381$253$165$106$29
35 years$537$361$237$152$96$25
36 years$516$343$221$140$87$22
37 years$497$326$207$129$79$19
38 years$478$309$194$119$71$16
39 years$461$294$182$109$65$14
40 years$444$280$170$101$59$12
41 years$429$266$160$93$53$10
42 years$414$254$150$86$48$9
43 years$400$242$141$79$44$8
44 years$386$230$132$73$40$7
45 years$373$220$124$68$36$6
46 years$361$210$116$62$33$5
47 years$349$200$109$58$30$4
48 years$338$191$103$53$27$4
49 years$328$182$97$49$25$3
50 years$317$174$91$46$22$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $325,000, adding $3,421 every year, while hoping to spend $20,691 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: 57/16/27 Blend
44$325,000$325,000$325,000$325,000
45$361,679$344,454$339,416$379,446
46$376,555$339,317$328,772$386,874
47$392,255$333,235$317,077$392,504
48$408,841$326,140$304,275$398,213
49$426,381$317,959$290,307$404,015
50$444,949$308,616$275,109$409,926
51$464,626$298,030$258,617$415,966
52$485,500$286,116$240,763$422,157
53$507,669$272,783$221,476$428,525
54$531,236$257,934$200,681$435,098
55$556,319$241,470$178,300$441,912
56$583,043$223,282$154,253$449,004
57$611,548$203,257$128,455$456,420
58$641,985$181,275$100,817$464,210
59$674,520$157,210$71,247$472,432
60$709,336$130,929$39,649$481,151
61$746,632$102,288$5,921$490,440
62$786,629$71,141$0$500,384
63$829,566$37,328$0$519,739
64$875,708$683$0$542,332
65$925,344$0$0$566,608
66$978,793$0$0$599,597
67$1,036,405$0$0$635,305
68$1,098,563$0$0$673,855
69$1,165,689$0$0$715,509
70$1,238,246$0$0$760,559
71$1,316,745$0$0$809,324
72$1,401,744$0$0$862,156
73$1,493,861$0$0$919,440
74$1,593,771$0$0$981,602
75$1,702,219$0$0$1,049,108
76$1,820,025$0$0$1,122,473
77$1,948,088$0$0$1,202,261
78$2,087,400$0$0$1,289,094
79$2,239,051$0$0$1,383,656
80$2,404,241$0$0$1,486,700
81$2,584,289$0$0$1,599,056
82$2,780,649$0$0$1,721,634
83$2,994,919$0$0$1,855,438
84$3,228,861$0$0$2,001,574
85$3,484,411$0$0$2,161,257
86$3,763,702$0$0$2,335,827
87$4,069,084$0$0$2,526,757
88$4,403,141$0$0$2,735,672
89$4,768,721$0$0$2,964,359
90$5,168,959$0$0$3,214,786
91$5,607,306$0$0$3,489,120
92$6,087,565$0$0$3,789,748
93$6,613,922$0$0$4,119,300
94$7,190,988$0$0$4,480,671
95$7,823,843$0$0$4,877,050
96$8,518,078$0$0$5,311,948
97$9,279,857$0$0$5,789,236
98$10,115,964$0$0$6,313,174
99$11,033,875$0$0$6,888,457
100$12,041,824$0$0$7,520,256