Can I retire at age 46 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%17%
1 years$26,838$26,599$26,366$26,138$25,916$25,177
2 years$13,286$13,039$12,799$12,566$12,341$11,602
3 years$8,770$8,521$8,282$8,051$7,830$7,114
4 years$6,512$6,264$6,027$5,801$5,584$4,898
5 years$5,157$4,911$4,677$4,455$4,245$3,589
6 years$4,255$4,010$3,780$3,563$3,359$2,735
7 years$3,610$3,368$3,141$2,929$2,732$2,139
8 years$3,127$2,887$2,664$2,457$2,266$1,704
9 years$2,751$2,513$2,294$2,093$1,908$1,377
10 years$2,451$2,215$2,000$1,804$1,626$1,124
11 years$2,206$1,972$1,761$1,570$1,399$926
12 years$2,001$1,770$1,563$1,377$1,212$767
13 years$1,828$1,600$1,396$1,216$1,057$639
14 years$1,680$1,454$1,255$1,079$926$535
15 years$1,552$1,328$1,133$963$816$449
16 years$1,440$1,219$1,027$862$721$378
17 years$1,341$1,122$935$774$639$319
18 years$1,253$1,037$853$698$568$270
19 years$1,175$961$781$631$507$228
20 years$1,105$893$717$571$452$194
21 years$1,041$832$659$518$405$164
22 years$983$777$608$471$363$140
23 years$930$726$561$429$326$119
24 years$882$681$519$391$293$101
25 years$838$639$481$358$264$86
26 years$797$600$446$327$237$73
27 years$759$565$414$299$214$63
28 years$724$532$385$274$193$53
29 years$692$502$358$251$174$46
30 years$662$474$333$231$158$39
31 years$633$448$311$212$142$33
32 years$607$424$290$195$129$28
33 years$582$402$271$179$117$24
34 years$559$381$253$165$106$21
35 years$537$361$237$152$96$18
36 years$516$343$221$140$87$15
37 years$497$326$207$129$79$13
38 years$478$309$194$119$71$11
39 years$461$294$182$109$65$9
40 years$444$280$170$101$59$8
41 years$429$266$160$93$53$7
42 years$414$254$150$86$48$6
43 years$400$242$141$79$44$5
44 years$386$230$132$73$40$4
45 years$373$220$124$68$36$4
46 years$361$210$116$62$33$3
47 years$349$200$109$58$30$3
48 years$338$191$103$53$27$2
49 years$328$182$97$49$25$2
50 years$317$174$91$46$22$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 46 starting with $325,000, adding $3,471 every year, while hoping to spend $23,505 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: 54/34/12 Blend
45$325,000$325,000$325,000$325,000
46$361,730$344,505$339,468$379,959
47$373,618$336,377$325,831$384,609
48$385,930$327,063$310,949$386,828
49$398,685$316,479$294,757$388,697
50$411,903$304,539$277,183$390,188
51$425,605$291,149$258,156$391,272
52$439,813$276,211$237,601$391,917
53$454,549$259,621$215,436$392,090
54$469,840$241,270$191,580$391,758
55$485,712$221,040$165,946$390,883
56$502,193$198,810$138,444$389,427
57$519,314$174,448$108,979$387,352
58$537,107$147,819$77,453$384,614
59$555,607$118,777$43,762$381,170
60$574,851$87,169$7,800$376,975
61$594,878$52,833$0$371,980
62$615,733$15,599$0$370,052
63$637,460$0$0$368,542
64$660,109$0$0$375,660
65$683,734$0$0$389,179
66$708,391$0$0$403,294
67$734,144$0$0$418,044
68$761,059$0$0$433,467
69$789,207$0$0$449,606
70$818,669$0$0$466,507
71$849,528$0$0$484,220
72$881,876$0$0$502,798
73$915,813$0$0$522,301
74$951,447$0$0$542,791
75$988,896$0$0$564,339
76$1,028,287$0$0$587,020
77$1,069,760$0$0$610,916
78$1,113,465$0$0$636,115
79$1,159,568$0$0$662,716
80$1,208,248$0$0$690,824
81$1,259,701$0$0$720,555
82$1,314,141$0$0$752,035
83$1,371,802$0$0$785,403
84$1,432,938$0$0$820,810
85$1,497,827$0$0$858,419
86$1,566,776$0$0$898,413
87$1,640,116$0$0$940,987
88$1,718,214$0$0$986,358
89$1,801,468$0$0$1,034,763
90$1,890,316$0$0$1,086,461
91$1,985,236$0$0$1,141,736
92$2,086,755$0$0$1,200,899
93$2,195,448$0$0$1,264,293
94$2,311,948$0$0$1,332,290
95$2,436,945$0$0$1,405,304
96$2,571,202$0$0$1,483,784
97$2,715,552$0$0$1,568,225
98$2,870,911$0$0$1,659,173
99$3,038,286$0$0$1,757,223
100$3,218,781$0$0$1,863,032