Can I retire at age 45 with 365,000?

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 $365,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14%
1 years$30,141$29,873$29,611$29,355$29,106$28,623
2 years$14,921$14,644$14,374$14,113$13,860$13,375
3 years$9,849$9,570$9,301$9,042$8,793$8,322
4 years$7,313$7,035$6,769$6,515$6,271$5,816
5 years$5,792$5,515$5,253$5,004$4,767$4,330
6 years$4,778$4,504$4,245$4,002$3,772$3,353
7 years$4,054$3,782$3,528$3,290$3,068$2,667
8 years$3,512$3,242$2,992$2,760$2,545$2,163
9 years$3,090$2,823$2,577$2,351$2,143$1,779
10 years$2,753$2,488$2,247$2,026$1,826$1,480
11 years$2,477$2,215$1,978$1,764$1,571$1,242
12 years$2,247$1,988$1,755$1,547$1,361$1,050
13 years$2,053$1,797$1,568$1,366$1,187$892
14 years$1,887$1,633$1,409$1,212$1,040$762
15 years$1,743$1,492$1,272$1,081$916$653
16 years$1,617$1,369$1,153$968$810$561
17 years$1,506$1,261$1,050$870$718$484
18 years$1,408$1,165$958$784$638$419
19 years$1,320$1,080$877$708$569$362
20 years$1,241$1,003$805$641$508$314
21 years$1,169$934$740$582$455$273
22 years$1,104$872$682$529$408$238
23 years$1,045$816$630$482$366$207
24 years$991$764$583$440$329$180
25 years$941$717$540$402$296$157
26 years$895$674$501$367$267$137
27 years$853$634$465$336$240$120
28 years$814$598$432$308$217$105
29 years$777$564$402$282$196$92
30 years$743$533$375$259$177$80
31 years$711$504$349$238$160$70
32 years$682$476$326$219$145$61
33 years$654$451$304$201$131$54
34 years$628$428$284$185$119$47
35 years$603$406$266$170$107$41
36 years$580$385$249$157$97$36
37 years$558$366$233$145$88$32
38 years$537$347$218$133$80$28
39 years$518$330$204$123$73$24
40 years$499$314$191$113$66$21
41 years$481$299$179$105$60$19
42 years$465$285$168$96$54$16
43 years$449$272$158$89$49$14
44 years$434$259$148$82$45$13
45 years$419$247$139$76$40$11
46 years$406$235$131$70$37$10
47 years$392$225$123$65$33$8
48 years$380$215$115$60$30$7
49 years$368$205$108$55$28$7
50 years$356$196$102$51$25$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $365,000, adding $6,099 every year, while hoping to spend $20,120 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: 55/23/22 Blend
44$365,000$365,000$365,000$365,000
45$408,521$389,176$383,519$428,232
46$428,783$386,838$374,959$440,072
47$450,437$383,711$365,438$450,328
48$473,604$379,736$354,903$461,067
49$498,416$374,848$343,297$472,341
50$525,020$368,981$330,563$484,210
51$553,574$362,062$316,638$496,738
52$584,252$354,017$301,460$509,999
53$617,248$344,766$284,960$524,075
54$652,771$334,224$267,071$539,057
55$691,054$322,300$247,717$555,048
56$732,349$308,901$226,824$572,160
57$776,938$293,926$204,312$590,522
58$825,126$277,269$180,096$610,275
59$877,251$258,817$154,091$631,577
60$933,683$238,452$126,206$654,602
61$994,830$216,048$96,346$679,546
62$1,061,141$191,472$64,411$706,627
63$1,133,108$164,585$30,300$736,086
64$1,211,272$135,237$0$768,191
65$1,296,231$103,273$0$804,673
66$1,388,641$68,527$0$852,113
67$1,489,222$30,825$0$903,788
68$1,598,769$0$0$960,133
69$1,718,156$0$0$1,024,166
70$1,848,344$0$0$1,102,531
71$1,990,392$0$0$1,188,067
72$2,145,464$0$0$1,281,479
73$2,314,844$0$0$1,383,545
74$2,499,942$0$0$1,495,120
75$2,702,313$0$0$1,617,144
76$2,923,669$0$0$1,750,655
77$3,165,893$0$0$1,896,793
78$3,431,060$0$0$2,056,816
79$3,721,455$0$0$2,232,108
80$4,039,593$0$0$2,424,192
81$4,388,246$0$0$2,634,749
82$4,770,465$0$0$2,865,625
83$5,189,611$0$0$3,118,858
84$5,649,385$0$0$3,396,690
85$6,153,865$0$0$3,701,593
86$6,707,542$0$0$4,036,286
87$7,315,362$0$0$4,403,767
88$7,982,774$0$0$4,807,338
89$8,715,782$0$0$5,250,637
90$9,520,998$0$0$5,737,671
91$10,405,707$0$0$6,272,853
92$11,377,933$0$0$6,861,046
93$12,446,517$0$0$7,507,609
94$13,621,201$0$0$8,218,444
95$14,912,713$0$0$9,000,053
96$16,332,878$0$0$9,859,601
97$17,894,721$0$0$10,804,981
98$19,612,592$0$0$11,844,891
99$21,502,303$0$0$12,988,912
100$23,581,275$0$0$14,247,602