Can I retire at age 54 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%17.2%
1 years$26,838$26,599$26,366$26,138$25,916$25,157
2 years$13,286$13,039$12,799$12,566$12,341$11,582
3 years$8,770$8,521$8,282$8,051$7,830$7,095
4 years$6,512$6,264$6,027$5,801$5,584$4,880
5 years$5,157$4,911$4,677$4,455$4,245$3,572
6 years$4,255$4,010$3,780$3,563$3,359$2,719
7 years$3,610$3,368$3,141$2,929$2,732$2,124
8 years$3,127$2,887$2,664$2,457$2,266$1,690
9 years$2,751$2,513$2,294$2,093$1,908$1,364
10 years$2,451$2,215$2,000$1,804$1,626$1,112
11 years$2,206$1,972$1,761$1,570$1,399$915
12 years$2,001$1,770$1,563$1,377$1,212$757
13 years$1,828$1,600$1,396$1,216$1,057$630
14 years$1,680$1,454$1,255$1,079$926$526
15 years$1,552$1,328$1,133$963$816$441
16 years$1,440$1,219$1,027$862$721$371
17 years$1,341$1,122$935$774$639$312
18 years$1,253$1,037$853$698$568$264
19 years$1,175$961$781$631$507$223
20 years$1,105$893$717$571$452$189
21 years$1,041$832$659$518$405$160
22 years$983$777$608$471$363$136
23 years$930$726$561$429$326$115
24 years$882$681$519$391$293$98
25 years$838$639$481$358$264$83
26 years$797$600$446$327$237$71
27 years$759$565$414$299$214$60
28 years$724$532$385$274$193$51
29 years$692$502$358$251$174$44
30 years$662$474$333$231$158$37
31 years$633$448$311$212$142$32
32 years$607$424$290$195$129$27
33 years$582$402$271$179$117$23
34 years$559$381$253$165$106$20
35 years$537$361$237$152$96$17
36 years$516$343$221$140$87$14
37 years$497$326$207$129$79$12
38 years$478$309$194$119$71$10
39 years$461$294$182$109$65$9
40 years$444$280$170$101$59$8
41 years$429$266$160$93$53$6
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$3
46 years$361$210$116$62$33$3
47 years$349$200$109$58$30$2
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 54 starting with $325,000, adding $6,086 every year, while hoping to spend $23,706 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: 77/17/6 Blend
53$325,000$325,000$325,000$325,000
54$364,428$347,203$342,165$391,808
55$376,376$338,993$328,405$402,429
56$388,749$329,586$313,389$410,390
57$401,565$318,898$297,050$418,418
58$414,842$306,842$279,319$426,510
59$428,601$293,323$260,122$434,661
60$442,864$278,242$239,382$442,869
61$457,655$261,494$217,019$451,128
62$472,997$242,968$192,951$459,436
63$488,917$222,548$167,089$467,787
64$505,442$200,109$139,342$476,178
65$522,603$175,519$109,616$484,604
66$540,430$148,642$77,810$493,062
67$558,959$119,330$43,821$501,549
68$578,224$87,429$7,541$510,060
69$598,266$52,775$0$518,593
70$619,125$15,198$0$529,142
71$640,847$0$0$540,352
72$663,479$0$0$556,516
73$687,074$0$0$576,333
74$711,687$0$0$597,008
75$737,378$0$0$618,591
76$764,212$0$0$641,137
77$792,260$0$0$664,706
78$821,596$0$0$689,361
79$852,303$0$0$715,172
80$884,470$0$0$742,213
81$918,193$0$0$770,567
82$953,576$0$0$800,321
83$990,732$0$0$831,572
84$1,029,785$0$0$864,423
85$1,070,868$0$0$898,988
86$1,114,127$0$0$935,390
87$1,159,721$0$0$973,763
88$1,207,821$0$0$1,014,253
89$1,258,617$0$0$1,057,021
90$1,312,313$0$0$1,102,239
91$1,369,134$0$0$1,150,097
92$1,429,324$0$0$1,200,803
93$1,493,150$0$0$1,254,583
94$1,560,904$0$0$1,311,684
95$1,632,907$0$0$1,372,378
96$1,709,506$0$0$1,436,959
97$1,791,085$0$0$1,505,753
98$1,878,062$0$0$1,579,114
99$1,970,896$0$0$1,657,431
100$2,070,089$0$0$1,741,129