Can I retire at age 55 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%15.3%
1 years$26,838$26,599$26,366$26,138$25,916$25,351
2 years$13,286$13,039$12,799$12,566$12,341$11,775
3 years$8,770$8,521$8,282$8,051$7,830$7,280
4 years$6,512$6,264$6,027$5,801$5,584$5,055
5 years$5,157$4,911$4,677$4,455$4,245$3,738
6 years$4,255$4,010$3,780$3,563$3,359$2,874
7 years$3,610$3,368$3,141$2,929$2,732$2,270
8 years$3,127$2,887$2,664$2,457$2,266$1,827
9 years$2,751$2,513$2,294$2,093$1,908$1,491
10 years$2,451$2,215$2,000$1,804$1,626$1,230
11 years$2,206$1,972$1,761$1,570$1,399$1,024
12 years$2,001$1,770$1,563$1,377$1,212$858
13 years$1,828$1,600$1,396$1,216$1,057$723
14 years$1,680$1,454$1,255$1,079$926$612
15 years$1,552$1,328$1,133$963$816$520
16 years$1,440$1,219$1,027$862$721$443
17 years$1,341$1,122$935$774$639$378
18 years$1,253$1,037$853$698$568$324
19 years$1,175$961$781$631$507$278
20 years$1,105$893$717$571$452$239
21 years$1,041$832$659$518$405$205
22 years$983$777$608$471$363$177
23 years$930$726$561$429$326$153
24 years$882$681$519$391$293$132
25 years$838$639$481$358$264$114
26 years$797$600$446$327$237$98
27 years$759$565$414$299$214$85
28 years$724$532$385$274$193$73
29 years$692$502$358$251$174$63
30 years$662$474$333$231$158$55
31 years$633$448$311$212$142$48
32 years$607$424$290$195$129$41
33 years$582$402$271$179$117$36
34 years$559$381$253$165$106$31
35 years$537$361$237$152$96$27
36 years$516$343$221$140$87$23
37 years$497$326$207$129$79$20
38 years$478$309$194$119$71$17
39 years$461$294$182$109$65$15
40 years$444$280$170$101$59$13
41 years$429$266$160$93$53$11
42 years$414$254$150$86$48$10
43 years$400$242$141$79$44$9
44 years$386$230$132$73$40$7
45 years$373$220$124$68$36$6
46 years$361$210$116$62$33$6
47 years$349$200$109$58$30$5
48 years$338$191$103$53$27$4
49 years$328$182$97$49$25$4
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 55 starting with $325,000, adding $5,423 every year, while hoping to spend $25,592 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: 35/45/20 Blend
54$325,000$325,000$325,000$325,000
55$363,744$346,519$341,481$374,094
56$373,616$336,269$325,691$371,915
57$383,637$324,658$308,514$366,804
58$393,796$311,594$289,878$360,760
59$404,079$296,978$269,704$353,715
60$414,469$280,703$247,913$345,597
61$424,947$262,661$224,420$336,328
62$435,493$242,732$199,140$325,827
63$446,081$220,794$171,979$314,008
64$456,684$196,715$142,843$300,777
65$467,269$170,357$111,631$286,037
66$477,799$141,574$78,240$269,682
67$488,234$110,211$42,560$251,603
68$498,527$76,104$4,479$231,679
69$508,625$39,082$0$209,785
70$518,470$0$0$193,504
71$527,995$0$0$177,012
72$537,125$0$0$179,695
73$545,778$0$0$182,167
74$553,861$0$0$184,391
75$561,268$0$0$186,328
76$567,886$0$0$187,930
77$573,583$0$0$189,148
78$578,216$0$0$189,924
79$581,624$0$0$190,196
80$583,630$0$0$189,895
81$584,035$0$0$188,942
82$582,619$0$0$187,251
83$579,138$0$0$184,728
84$573,319$0$0$181,267
85$564,863$0$0$176,750
86$553,436$0$0$171,047
87$538,669$0$0$164,015
88$520,152$0$0$155,495
89$497,432$0$0$145,311
90$470,008$0$0$133,267
91$437,324$0$0$119,148
92$398,767$0$0$102,717
93$353,658$0$0$83,709
94$301,245$0$0$61,834
95$240,699$0$0$36,769
96$171,103$0$0$8,159
97$91,441$0$0$0
98$595$0$0$0
99$0$0$0$0
100$0$0$0$0