Can I retire at age 57 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%12.9%
1 years$26,838$26,599$26,366$26,138$25,916$25,603
2 years$13,286$13,039$12,799$12,566$12,341$12,026
3 years$8,770$8,521$8,282$8,051$7,830$7,522
4 years$6,512$6,264$6,027$5,801$5,584$5,287
5 years$5,157$4,911$4,677$4,455$4,245$3,959
6 years$4,255$4,010$3,780$3,563$3,359$3,084
7 years$3,610$3,368$3,141$2,929$2,732$2,468
8 years$3,127$2,887$2,664$2,457$2,266$2,014
9 years$2,751$2,513$2,294$2,093$1,908$1,668
10 years$2,451$2,215$2,000$1,804$1,626$1,397
11 years$2,206$1,972$1,761$1,570$1,399$1,180
12 years$2,001$1,770$1,563$1,377$1,212$1,004
13 years$1,828$1,600$1,396$1,216$1,057$860
14 years$1,680$1,454$1,255$1,079$926$739
15 years$1,552$1,328$1,133$963$816$639
16 years$1,440$1,219$1,027$862$721$553
17 years$1,341$1,122$935$774$639$481
18 years$1,253$1,037$853$698$568$419
19 years$1,175$961$781$631$507$366
20 years$1,105$893$717$571$452$320
21 years$1,041$832$659$518$405$280
22 years$983$777$608$471$363$246
23 years$930$726$561$429$326$216
24 years$882$681$519$391$293$190
25 years$838$639$481$358$264$167
26 years$797$600$446$327$237$147
27 years$759$565$414$299$214$130
28 years$724$532$385$274$193$114
29 years$692$502$358$251$174$101
30 years$662$474$333$231$158$89
31 years$633$448$311$212$142$79
32 years$607$424$290$195$129$69
33 years$582$402$271$179$117$61
34 years$559$381$253$165$106$54
35 years$537$361$237$152$96$48
36 years$516$343$221$140$87$42
37 years$497$326$207$129$79$38
38 years$478$309$194$119$71$33
39 years$461$294$182$109$65$29
40 years$444$280$170$101$59$26
41 years$429$266$160$93$53$23
42 years$414$254$150$86$48$20
43 years$400$242$141$79$44$18
44 years$386$230$132$73$40$16
45 years$373$220$124$68$36$14
46 years$361$210$116$62$33$12
47 years$349$200$109$58$30$11
48 years$338$191$103$53$27$10
49 years$328$182$97$49$25$9
50 years$317$174$91$46$22$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 57 starting with $325,000, adding $6,046 every year, while hoping to spend $24,147 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: 66/10/24 Blend
56$325,000$325,000$325,000$325,000
57$364,386$347,161$342,124$385,803
58$375,862$338,480$327,893$392,271
59$387,698$328,564$312,376$396,056
60$399,907$317,327$295,504$399,639
61$412,500$304,679$277,206$403,002
62$425,489$290,523$257,407$406,124
63$438,887$274,757$236,028$408,986
64$452,707$257,273$212,988$411,564
65$466,961$237,957$188,201$413,836
66$481,664$216,690$161,579$415,776
67$496,830$193,343$133,027$417,358
68$512,472$167,783$102,449$418,555
69$528,606$139,866$69,744$419,337
70$545,248$109,443$34,804$419,675
71$562,412$76,356$0$419,534
72$580,117$40,435$0$419,518
73$598,378$1,506$0$428,506
74$617,212$0$0$437,570
75$636,639$0$0$451,171
76$656,676$0$0$465,370
77$677,343$0$0$480,016
78$698,658$0$0$495,121
79$720,643$0$0$510,701
80$743,318$0$0$526,770
81$766,705$0$0$543,343
82$790,825$0$0$560,436
83$815,703$0$0$578,065
84$841,360$0$0$596,247
85$867,822$0$0$614,999
86$895,113$0$0$634,338
87$923,259$0$0$654,284
88$952,287$0$0$674,854
89$982,224$0$0$696,068
90$1,013,097$0$0$717,946
91$1,044,936$0$0$740,507
92$1,077,771$0$0$763,775
93$1,111,632$0$0$787,769
94$1,146,550$0$0$812,512
95$1,182,558$0$0$838,027
96$1,219,689$0$0$864,338
97$1,257,978$0$0$891,470
98$1,297,460$0$0$919,445
99$1,338,170$0$0$948,292
100$1,380,146$0$0$978,035