Can I retire at age 51 with 327,000?

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 $327,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12%
1 years$27,003$26,763$26,528$26,299$26,075$25,857
2 years$13,368$13,119$12,878$12,644$12,417$12,197
3 years$8,823$8,573$8,333$8,101$7,878$7,663
4 years$6,552$6,302$6,064$5,836$5,618$5,410
5 years$5,189$4,941$4,706$4,483$4,271$4,070
6 years$4,281$4,035$3,803$3,585$3,380$3,186
7 years$3,632$3,388$3,160$2,947$2,748$2,563
8 years$3,146$2,905$2,680$2,473$2,280$2,102
9 years$2,768$2,529$2,309$2,106$1,920$1,750
10 years$2,466$2,229$2,013$1,815$1,636$1,473
11 years$2,219$1,984$1,772$1,580$1,407$1,252
12 years$2,013$1,781$1,573$1,386$1,219$1,071
13 years$1,839$1,610$1,405$1,223$1,063$923
14 years$1,690$1,463$1,262$1,086$932$798
15 years$1,561$1,337$1,140$969$821$694
16 years$1,449$1,226$1,033$867$725$605
17 years$1,349$1,129$940$779$643$529
18 years$1,261$1,044$858$702$572$464
19 years$1,182$967$786$635$510$408
20 years$1,111$899$721$575$455$359
21 years$1,047$837$663$522$407$316
22 years$989$781$611$474$365$280
23 years$936$731$564$432$328$247
24 years$888$685$522$394$295$219
25 years$843$643$484$360$265$194
26 years$802$604$448$329$239$172
27 years$764$568$416$301$215$153
28 years$729$536$387$276$194$136
29 years$696$505$360$253$175$120
30 years$666$477$336$232$159$107
31 years$637$451$313$213$143$95
32 years$611$427$292$196$130$85
33 years$586$404$273$180$117$76
34 years$562$383$255$166$106$67
35 years$540$363$238$153$96$60
36 years$519$345$223$141$87$53
37 years$500$328$208$130$79$48
38 years$481$311$195$119$72$42
39 years$464$296$183$110$65$38
40 years$447$282$171$102$59$34
41 years$431$268$161$94$53$30
42 years$416$255$151$86$49$27
43 years$402$243$141$80$44$24
44 years$389$232$133$74$40$21
45 years$376$221$125$68$36$19
46 years$363$211$117$63$33$17
47 years$352$201$110$58$30$15
48 years$340$192$103$54$27$14
49 years$330$184$97$50$25$12
50 years$319$175$91$46$22$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 51 starting with $327,000, adding $6,720 every year, while hoping to spend $21,214 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: 29/41/30 Blend
50$327,000$327,000$327,000$327,000
51$367,286$349,955$344,886$374,407
52$382,177$344,531$333,868$375,179
53$397,877$338,130$321,770$373,735
54$414,444$330,683$308,534$371,767
55$431,945$322,114$294,097$369,243
56$450,451$312,345$278,397$366,134
57$470,039$301,292$261,365$362,408
58$490,795$288,867$242,933$358,032
59$512,812$274,977$223,027$352,974
60$536,191$259,524$201,571$347,199
61$561,044$242,401$178,484$340,674
62$587,491$223,500$153,685$333,363
63$615,667$202,703$127,085$325,234
64$645,716$179,887$98,593$316,250
65$677,799$154,921$68,116$306,378
66$712,090$127,668$35,554$295,583
67$748,782$97,982$803$283,832
68$788,084$65,709$0$271,093
69$830,226$30,687$0$268,949
70$875,463$0$0$266,785
71$924,071$0$0$267,629
72$976,356$0$0$283,466
73$1,032,652$0$0$300,558
74$1,093,326$0$0$319,020
75$1,158,782$0$0$338,981
76$1,229,463$0$0$360,582
77$1,305,858$0$0$383,978
78$1,388,501$0$0$409,339
79$1,477,981$0$0$436,851
80$1,574,945$0$0$466,721
81$1,680,105$0$0$499,176
82$1,794,244$0$0$534,463
83$1,918,222$0$0$572,857
84$2,052,987$0$0$614,660
85$2,199,579$0$0$660,203
86$2,359,145$0$0$709,850
87$2,532,946$0$0$764,005
88$2,722,369$0$0$823,108
89$2,928,942$0$0$887,648
90$3,154,346$0$0$958,158
91$3,400,430$0$0$1,035,229
92$3,669,231$0$0$1,119,511
93$3,962,992$0$0$1,211,719
94$4,284,181$0$0$1,312,639
95$4,635,515$0$0$1,423,139
96$5,019,988$0$0$1,544,172
97$5,440,893$0$0$1,676,792
98$5,901,860$0$0$1,822,154
99$6,406,885$0$0$1,981,535
100$6,960,368$0$0$2,156,339