Can I retire at age 45 with 427,000?

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 $427,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11%
1 years$35,261$34,947$34,641$34,342$34,050$33,906
2 years$17,456$17,131$16,816$16,510$16,214$16,069
3 years$11,522$11,195$10,881$10,578$10,287$10,145
4 years$8,555$8,230$7,919$7,621$7,337$7,199
5 years$6,776$6,452$6,145$5,854$5,577$5,444
6 years$5,590$5,269$4,966$4,681$4,413$4,285
7 years$4,743$4,425$4,127$3,849$3,589$3,466
8 years$4,108$3,793$3,500$3,229$2,977$2,859
9 years$3,615$3,302$3,015$2,750$2,507$2,394
10 years$3,220$2,911$2,628$2,371$2,136$2,028
11 years$2,898$2,591$2,314$2,063$1,837$1,733
12 years$2,629$2,326$2,053$1,810$1,592$1,493
13 years$2,402$2,102$1,835$1,598$1,388$1,294
14 years$2,207$1,911$1,648$1,418$1,217$1,127
15 years$2,039$1,745$1,488$1,265$1,072$985
16 years$1,892$1,601$1,349$1,132$947$865
17 years$1,762$1,475$1,228$1,018$840$762
18 years$1,647$1,363$1,121$917$747$673
19 years$1,544$1,263$1,026$829$666$595
20 years$1,451$1,174$942$750$594$528
21 years$1,368$1,093$866$681$532$469
22 years$1,292$1,020$798$619$477$417
23 years$1,222$954$737$564$428$372
24 years$1,159$894$682$514$385$332
25 years$1,101$839$631$470$346$296
26 years$1,047$789$586$430$312$265
27 years$998$742$544$393$281$237
28 years$952$699$505$360$254$212
29 years$909$660$470$330$229$190
30 years$869$623$438$303$207$170
31 years$832$589$408$278$187$153
32 years$797$557$381$256$169$137
33 years$765$528$356$235$153$123
34 years$734$500$332$216$139$111
35 years$705$474$311$199$126$99
36 years$678$450$291$184$114$89
37 years$653$428$272$169$103$80
38 years$628$407$255$156$94$72
39 years$605$387$239$144$85$65
40 years$584$368$224$133$77$58
41 years$563$350$210$122$70$52
42 years$544$333$197$113$63$47
43 years$525$318$185$104$57$42
44 years$507$303$173$96$52$38
45 years$490$289$163$89$47$34
46 years$474$275$153$82$43$31
47 years$459$263$144$76$39$28
48 years$444$251$135$70$35$25
49 years$430$240$127$65$32$23
50 years$417$229$119$60$29$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $427,000, adding $4,537 every year, while hoping to spend $21,770 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: 54/17/29 Blend
44$427,000$427,000$427,000$427,000
45$475,234$452,603$445,984$496,841
46$500,545$451,617$437,762$511,299
47$527,707$449,854$428,534$524,436
48$556,888$447,251$418,245$538,308
49$588,269$443,745$406,834$552,993
50$622,050$439,266$394,241$568,581
51$658,451$433,741$380,399$585,169
52$697,712$427,094$365,242$602,867
53$740,099$419,243$348,698$621,796
54$785,904$410,099$330,694$642,093
55$835,445$399,573$311,151$663,908
56$889,075$387,567$289,989$687,409
57$947,180$373,977$267,123$712,782
58$1,010,185$358,695$242,465$740,235
59$1,078,559$341,606$215,922$769,997
60$1,152,814$322,587$187,398$802,324
61$1,233,517$301,510$156,792$837,500
62$1,321,291$278,238$123,999$875,838
63$1,416,818$252,628$88,909$917,688
64$1,520,853$224,526$51,407$963,437
65$1,634,225$193,773$11,373$1,013,512
66$1,757,845$160,197$0$1,068,390
67$1,892,718$123,619$0$1,138,297
68$2,039,948$83,850$0$1,218,502
69$2,200,753$40,688$0$1,306,169
70$2,376,470$0$0$1,402,058
71$2,568,575$0$0$1,508,142
72$2,778,690$0$0$1,632,536
73$3,008,602$0$0$1,768,690
74$3,260,280$0$0$1,917,776
75$3,535,891$0$0$2,081,082
76$3,837,819$0$0$2,260,028
77$4,168,695$0$0$2,456,176
78$4,531,412$0$0$2,671,249
79$4,929,157$0$0$2,907,142
80$5,365,442$0$0$3,165,944
81$5,844,133$0$0$3,449,956
82$6,369,491$0$0$3,761,711
83$6,946,207$0$0$4,104,001
84$7,579,449$0$0$4,479,900
85$8,274,911$0$0$4,892,795
86$9,038,864$0$0$5,346,418
87$9,878,217$0$0$5,844,879
88$10,800,583$0$0$6,392,706
89$11,814,345$0$0$6,994,889
90$12,928,743$0$0$7,656,924
91$14,153,953$0$0$8,384,866
92$15,501,188$0$0$9,185,386
93$16,982,803$0$0$10,065,835
94$18,612,409$0$0$11,034,311
95$20,405,000$0$0$12,099,737
96$22,377,101$0$0$13,271,944
97$24,546,916$0$0$14,561,765
98$26,934,504$0$0$15,981,134
99$29,561,966$0$0$17,543,202
100$32,453,653$0$0$19,262,458