Can I retire at age 45 with 335,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $335,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.6%
1 years$27,664$27,418$27,177$26,943$26,713$26,099
2 years$13,695$13,440$13,193$12,953$12,721$12,105
3 years$9,039$8,783$8,537$8,299$8,071$7,473
4 years$6,712$6,457$6,212$5,979$5,756$5,181
5 years$5,316$5,062$4,821$4,593$4,376$3,825
6 years$4,385$4,134$3,896$3,673$3,462$2,937
7 years$3,721$3,471$3,238$3,020$2,816$2,315
8 years$3,223$2,976$2,746$2,533$2,336$1,860
9 years$2,836$2,591$2,365$2,158$1,967$1,516
10 years$2,526$2,284$2,062$1,860$1,676$1,248
11 years$2,273$2,033$1,815$1,619$1,442$1,037
12 years$2,063$1,825$1,611$1,420$1,249$867
13 years$1,884$1,649$1,439$1,253$1,089$729
14 years$1,732$1,499$1,293$1,113$955$616
15 years$1,600$1,369$1,168$992$841$522
16 years$1,484$1,256$1,059$888$743$444
17 years$1,382$1,157$963$798$659$379
18 years$1,292$1,069$879$719$586$323
19 years$1,211$991$805$650$522$277
20 years$1,139$921$739$589$466$237
21 years$1,073$858$680$534$417$204
22 years$1,013$801$626$486$374$175
23 years$959$749$578$442$336$150
24 years$909$702$535$404$302$130
25 years$864$658$495$369$272$112
26 years$822$619$459$337$245$96
27 years$783$582$427$308$221$83
28 years$747$549$397$283$199$72
29 years$713$518$369$259$180$62
30 years$682$489$344$238$162$53
31 years$653$462$320$218$147$46
32 years$625$437$299$201$133$40
33 years$600$414$279$185$120$34
34 years$576$392$261$170$109$30
35 years$553$372$244$156$99$26
36 years$532$353$228$144$89$22
37 years$512$336$214$133$81$19
38 years$493$319$200$122$73$17
39 years$475$303$187$113$67$14
40 years$458$289$176$104$60$12
41 years$442$275$165$96$55$11
42 years$427$262$154$89$50$9
43 years$412$249$145$82$45$8
44 years$398$238$136$75$41$7
45 years$385$227$128$70$37$6
46 years$372$216$120$64$34$5
47 years$360$206$113$59$31$4
48 years$349$197$106$55$28$4
49 years$338$188$100$51$25$3
50 years$327$180$94$47$23$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $335,000, adding $6,916 every year, while hoping to spend $22,089 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: 76/18/6 Blend
44$335,000$335,000$335,000$335,000
45$376,304$358,549$353,356$404,145
46$391,184$352,615$341,691$417,470
47$406,842$345,651$328,895$428,541
48$423,334$337,581$314,907$440,029
49$440,720$328,328$299,662$451,967
50$459,066$317,809$283,094$464,391
51$478,446$305,937$265,132$477,341
52$498,938$292,619$245,705$490,860
53$520,629$277,756$224,735$504,999
54$543,612$261,245$202,143$519,810
55$567,991$242,977$177,845$535,356
56$593,877$222,834$151,754$551,701
57$621,395$200,695$123,780$568,922
58$650,678$176,430$93,827$587,100
59$681,874$149,901$61,797$606,327
60$715,143$120,965$27,586$626,704
61$750,664$89,468$0$648,343
62$788,628$55,249$0$671,941
63$829,249$18,137$0$698,986
64$872,759$0$0$727,872
65$919,414$0$0$763,143
66$969,492$0$0$804,868
67$1,023,302$0$0$849,711
68$1,081,180$0$0$897,955
69$1,143,497$0$0$949,909
70$1,210,660$0$0$1,005,914
71$1,283,115$0$0$1,066,343
72$1,361,353$0$0$1,131,608
73$1,445,913$0$0$1,202,159
74$1,537,388$0$0$1,278,493
75$1,636,429$0$0$1,361,155
76$1,743,752$0$0$1,450,745
77$1,860,145$0$0$1,547,921
78$1,986,474$0$0$1,653,410
79$2,123,691$0$0$1,768,007
80$2,272,844$0$0$1,892,591
81$2,435,086$0$0$2,028,126
82$2,611,684$0$0$2,175,675
83$2,804,034$0$0$2,336,405
84$3,013,672$0$0$2,511,601
85$3,242,287$0$0$2,702,680
86$3,491,739$0$0$2,911,198
87$3,764,075$0$0$3,138,869
88$4,061,549$0$0$3,387,580
89$4,386,642$0$0$3,659,410
90$4,742,085$0$0$3,956,644
91$5,130,886$0$0$4,281,802
92$5,556,355$0$0$4,637,655
93$6,022,139$0$0$5,027,257
94$6,532,252$0$0$5,453,971
95$7,091,117$0$0$5,921,498
96$7,703,601$0$0$6,433,916
97$8,375,069$0$0$6,995,716
98$9,111,426$0$0$7,611,845
99$9,919,177$0$0$8,287,749
100$10,805,488$0$0$9,029,430