Can I retire at age 66 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%18.2%
1 years$26,838$26,599$26,366$26,138$25,916$25,056
2 years$13,286$13,039$12,799$12,566$12,341$11,483
3 years$8,770$8,521$8,282$8,051$7,830$7,001
4 years$6,512$6,264$6,027$5,801$5,584$4,790
5 years$5,157$4,911$4,677$4,455$4,245$3,489
6 years$4,255$4,010$3,780$3,563$3,359$2,640
7 years$3,610$3,368$3,141$2,929$2,732$2,051
8 years$3,127$2,887$2,664$2,457$2,266$1,623
9 years$2,751$2,513$2,294$2,093$1,908$1,302
10 years$2,451$2,215$2,000$1,804$1,626$1,055
11 years$2,206$1,972$1,761$1,570$1,399$862
12 years$2,001$1,770$1,563$1,377$1,212$708
13 years$1,828$1,600$1,396$1,216$1,057$585
14 years$1,680$1,454$1,255$1,079$926$486
15 years$1,552$1,328$1,133$963$816$404
16 years$1,440$1,219$1,027$862$721$337
17 years$1,341$1,122$935$774$639$282
18 years$1,253$1,037$853$698$568$237
19 years$1,175$961$781$631$507$198
20 years$1,105$893$717$571$452$167
21 years$1,041$832$659$518$405$140
22 years$983$777$608$471$363$118
23 years$930$726$561$429$326$100
24 years$882$681$519$391$293$84
25 years$838$639$481$358$264$71
26 years$797$600$446$327$237$60
27 years$759$565$414$299$214$50
28 years$724$532$385$274$193$43
29 years$692$502$358$251$174$36
30 years$662$474$333$231$158$30
31 years$633$448$311$212$142$26
32 years$607$424$290$195$129$22
33 years$582$402$271$179$117$18
34 years$559$381$253$165$106$16
35 years$537$361$237$152$96$13
36 years$516$343$221$140$87$11
37 years$497$326$207$129$79$9
38 years$478$309$194$119$71$8
39 years$461$294$182$109$65$7
40 years$444$280$170$101$59$6
41 years$429$266$160$93$53$5
42 years$414$254$150$86$48$4
43 years$400$242$141$79$44$3
44 years$386$230$132$73$40$3
45 years$373$220$124$68$36$2
46 years$361$210$116$62$33$2
47 years$349$200$109$58$30$2
48 years$338$191$103$53$27$1
49 years$328$182$97$49$25$1
50 years$317$174$91$46$22$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 66 starting with $325,000, adding $3,599 every year, while hoping to spend $26,981 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: 82/10/8 Blend
65$325,000$325,000$325,000$325,000
66$361,862$344,637$339,600$390,885
67$370,065$332,817$322,269$398,582
68$378,199$319,513$303,453$403,064
69$386,231$304,625$283,074$407,160
70$394,120$288,045$261,050$410,816
71$401,821$269,659$237,296$413,973
72$409,284$249,350$211,723$416,565
73$416,452$226,989$184,236$418,521
74$423,262$202,443$154,740$419,760
75$429,643$175,571$123,132$420,196
76$435,515$146,224$89,306$419,734
77$440,792$114,242$53,152$418,267
78$445,373$79,461$14,553$415,679
79$449,150$41,703$0$411,844
80$452,000$784$0$408,895
81$453,788$0$0$405,877
82$454,362$0$0$406,175
83$453,554$0$0$405,306
84$451,179$0$0$403,017
85$447,029$0$0$399,119
86$440,876$0$0$393,407
87$432,465$0$0$385,649
88$421,515$0$0$375,592
89$407,713$0$0$362,953
90$390,715$0$0$347,420
91$370,137$0$0$328,647
92$345,556$0$0$306,252
93$316,505$0$0$279,811
94$282,466$0$0$248,856
95$242,865$0$0$212,870
96$197,070$0$0$171,280
97$144,380$0$0$123,454
98$84,024$0$0$68,692
99$15,146$0$0$6,224
100$0$0$0$0